After Home Closing, Which Documents Should I Keep? » Mortgage Masters Group

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Document signed by the borrowers stating that they will help the lender after closing to correct errors in the documents at the lenders request. This is meant to only apply to clerical errors so that the loan will meet requirements from Fannie Mae or FHA, etc.

The key documents are going to be the ones that set forth the actual terms of the transaction itself. These include the HUD-1 Settlement Statement, Truth in Lending disclosure and the mortgage agreement itself. Copies of these should be reviewed prior to closing and the actual documents you sign should be checked again at closing itself.

Closing on a House – Process, Mortgage Documents & Procedures. Your closing day – the day you meet with the seller, your real estate agents, title or escrow agents, and possibly other parties involved in the transaction – is the day the property officially becomes yours.

All you need to save are documents needed in case of an IRS audit. The closing sheet called the HUD1 from when you bought and sold the house along with receipts for any major improvements. Anything else is electronically recorded in the register.

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Keep your lender in mind Unless you’re paying cash for the home, choose a closing date that’s convenient for you, the seller and your mortgage lender. Most people schedule the closing date for 30-to-45 days after the offer has been accepted – and they do this for good reason.

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