Receiving Your Closing Disclosure (CD)
Federal guidelines require that borrowers receive an initial Closing Disclosure (CD) at least three business days before closing. This rule ensures you have time to review your final loan terms and closing costs.
How the 3‑Day Rule Works
• If you receive your CD on Monday, the earliest you can close is Thursday.
• Saturdays count as a business day.
• Sundays do not.
• Example: If you receive your CD on Thursday, the earliest closing date is Monday.
You don’t need to memorize these timelines—we’ll guide you through every step and make sure your closing stays on track.

Reviewing Your Closing Disclosure
Once the CD is issued, we always review it with you to ensure:
• All numbers are accurate
• Your loan terms match what was discussed
• You understand your closing costs and cash‑to‑close
The CD is designed to be transparent, but there’s still a lot of information to process. That’s why we walk through it together before you ever step into the title company.

Signing Your Closing Documents
When it’s time to close:
• You’ll sign all final documents at the title company where your contract was escrowed.
• A notary will be present to verify your identity and witness signatures.
• Once all documents are signed and the lender issues funding authorization, the transaction is complete.
At that moment—you officially become a homeowner