We got the clear to close today and now what do we have to do when buying Metro Detroit real estate

 Now that we are clear to close and have the date and time set up this is what happens next.   Your lender sends the closing documents to the title company.  The title company prepares the final HUD statement which is the final numbers document.  The title company figures out the tax pro rations and put all the closing fees on one document.  Then they send it back to the lender for final approval.  Then your lender will call you with the final number you need to bring to closing.  You lender may not call you until the day of closing with those numbers.  Though most of the time they get it to you the day before.  If you have an early morning closing they will get it to you the day before.   Here is what you need to bring to closing. 

• A picture ID  preferably your driver's license.  You can not close without this.
• The check with the full amount your lender told you.  It must be a cashier's check.  The title company will not accept personal checks.  Have it made out to you and then at closing you will sign the back of it and sign it over to the title company.
• Bring a copy of the homeowner's insurance just in case the title company needs it.

Also before closing be sure to have the utilities switched over into your name.  The seller will be shutting them off on the day of closing.  So you won't have any lights in the house that night.  If the house is a foreclosure you may have switched over the utilities already for the inspection so disreguard this.

• DTE                                         800-477-4747
• Consumers Power                     800-477-5050

If you have any last minute questions feel free to pick up the phone or we will see you at closing.