What to bring to your real estate closing
Prepare your identification, verified funds, requested documents and questions, then confirm the instructions for your specific signing appointment.
Read the guide : What to bring to your real estate closingRhode Island & southeastern Massachusetts
Title and escrow coordination for real estate closings
Buying or selling property in Rhode Island or a selected Massachusetts community? Balkun coordinates title work and closing preparation with the professionals involved in your transaction. That includes clarifying the documents, transaction funds and signing arrangements needed for your closing. Tell us the property location, intended date and any questions so the team can establish what is needed next.
From agreement to preparation.
Once you have a signed agreement, your agent, lender, attorney and closing team each have responsibilities. Confirm the intended closing date, who will attend, how documents will be delivered and the appropriate point of contact. Tell the team early about travel, an entity or trust, or a signer who may need an alternative arrangement.
Review before you arrive.
Ask for documents in advance and read the transaction details. Buyers should discuss loan terms and changes with their lender. Sellers should confirm the process for mortgage payoffs and any requested ownership records. A final walkthrough addresses property condition; it does not replace the title review.
Title and escrow: understand the funds for your closing
Title work and transaction funds are connected parts of a closing, with different responsibilities. Title work examines the ownership record and helps identify requirements. For money associated with the transaction, ask who holds each amount, how it will appear on the final statement and what conditions must be met before it is released.
Confirm how your deposit is credited, how the amount due at closing is calculated and who will provide the final instructions. If the parties propose holding money after closing, ask the team to explain the separate written arrangement and the people responsible for it. Do not assume the same company handles every category of funds.
This is different from a mortgage escrow account used by a loan servicer for recurring taxes and insurance. Ask your lender which initial reserves appear in the closing figures and which future bills you will pay yourself. Before sending closing funds, confirm the instructions through a trusted number you independently verified; an unexpected email change needs a separate check.
Signing, funding and recording.
These are related steps, and they may not all happen at the same moment. Ask when funds are expected to be disbursed, when documents will be recorded and when possession is available under the agreement. Confirm funds instructions through a trusted contact before sending any money.
For general guidance, see CFPB: Shopping for title insurance and closing services. For coverage, rely on the specific policy and the insurer’s explanation.
Planning a local transaction? See our Warwick title and closing services, Fall River title and closing services, New Bedford title and closing services and Attleboro title and closing services for property-specific preparation, then contact the team about your closing.
Make the next step specific.
Share your purchase or sale plans so Balkun can explain the closing work and information needed for a quote.
Use the existing inquiry route for general questions. Call the office for the appropriate secure document or title-order instructions.
Request a closing quoteMore clarity, one guide at a time
Useful before your next step.
A practical guide to reviewing your Closing Disclosure
Read your Closing Disclosure in a deliberate order: loan terms, itemized costs, cash to close, payment details and unresolved changes.
Read the guide : A practical guide to reviewing your Closing DisclosureYour final walkthrough checklist before closing
Use the final walkthrough to compare the property's condition and agreed items with the contract, then report unresolved issues before signing.
Read the guide : Your final walkthrough checklist before closingBefore you get started
A few good questions.
Clear answers to help you take the next step.
Ask us a questionDoes signing mean the money and property transfer are complete?
Signing, funding, recording and possession are related steps that may occur at different times. Ask the team when each is expected for your transaction and check possession arrangements against the agreement before planning your move.
Who should answer a question about my deposit or closing funds?
Identify the particular funds and the company holding or directing them. Ask the closing team where the deposit or adjustment appears on the final statement and who must authorize any release. For an ongoing mortgage taxes-and-insurance account, begin with the servicer shown on your mortgage statement.
What do I need to request a closing quote?
Start with your name and email. The quote form also has optional space for the property address and a message. If you know whether you are buying, selling or refinancing, include that so the team can identify what else is needed.
Request a closing quoteDoes my lender’s title insurance protect me?
A lender’s policy protects the lender’s interest. An owner’s policy protects your ownership interest against covered risks, subject to its terms and exceptions. Ask which policies and charges are included in your quote.
Compare the two policiesCan I choose my title and closing company?
You can generally shop for title and closing services. For a financed purchase, ask your lender which services you can choose and review the providers and charges in your Loan Estimate. Coordinate your selection early with the professionals handling your transaction.
What to ask when choosing a companyWhere will my closing take place?
Balkun has offices in Warwick, Rhode Island, and Fall River, Massachusetts. Confirm your assigned office, appointment and signing arrangements with the team before visiting.
Contact details and office locationsHow should I confirm closing funds and documents?
Call a trusted number you independently verified to confirm payment instructions. Do not rely on an email announcing a last-minute change. For identification, financial records or closing packages, ask the office for its approved secure delivery route.
Read the closing funds safety guideLet’s talk about your closing