Once we have worked together to clear any conditions to your loan, we will schedule a closing date with a title company or closing attorney.

At closing, you will sign the documentation to take ownership of your home (if you are purchasing) or transfer your home loan to us (if you are refinancing), as well as get title insurance for your home.

You will receive a 'settlement statement' (or HUD) that will detail all of your expenses in the transaction, as well as how your loan proceeds were distributed and to whom. You will also receive a title policy that insures your ownership of the property (see "Title Insurance").

Janet attends all her closings to ensure that you understand your loan and everything that you are signing.