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In an effort to avoid potential problems and delays, here are a few points to
consider before your closing.
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Bring a Cashier's or Certified Check to
the closing for the amounts you must pay, not a personal check.
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Bring an original Homeowners Insurance Policy
to the closing along with a paid receipt for the first year's premium. If
you're refinancing a condo, bring a Certificate of Insurance instead. A
Certificate of Insurance can be obtained from your condo association or
property management company.
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Before the closing, contact your lender regarding
any additional requirements that must be satisfied PRIOR to closing.
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If you have an existing mortgage(s), a current
pay off letter(s) must be presented at closing. Contact your lender for
instructions on how to obtain a current pay off statement(s).
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If you are going to be paying off credit card
balances at the closing, the most current statements must be brought to
the closing.
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If your property is a condo, bring to the
closing an assessment letter from your condo association or property
management company.
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Bring to the closing two (2) forms of personal
identification that include your picture and signature. A Primary and
secondary ID are required. The following lists IDs which will be accepted:
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