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Closing Process

Metropolitan Mortgage will answer your questions, stay involved and guide you through the loan process all the way to closing.

Prior to Closing

You will receive and must acknowledge receipt of the Closing Disclosure (CD) at least three (3) business days before closing can occur. The CD, which lays out the terms of the loan including an itemized list of fees associated with the closing. Let us know immediately if you believe there are mistakes and ask about anything you don’t understand.

The Loan Closing

The “closing” is the last step in buying and financing a home. The “closing,” also called “settlement,” is when you and all the other parties in a mortgage loan transaction sign the necessary documents.
Your closing may include some or all of these entities:

  • Your Title Insurance Company
  • Your Realtor®
  • Your Lender

What You Will Need to Bring

Everyone on title to the property must attend the closing and bring a government-issued identification card with photo. Please bring a certified, or cashier’s check made out to the title company to cover the remaining amount due; as reflected on your final Closing Disclosure (CD).

There are many documents to sign at closing, these documents will include:

  • Your Closing Disclosure
  • Your promissory note, which is your promise to repay the mortgage loan to your lender
  • The mortgage, also known as the security instrument or deed of trust. The deed, which transfers legal ownership of the property to you

Time to Celebrate!!

Previous: Underwriting

Have Questions? Contact Us online or call 913.642.8300.

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