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The Signing

When your loan is ready to be "closed" or "funded" by the lender, you'll be required to sign the final loan documents, which will be facilitated by your real estate agent and mortgage broker. The signing typically takes place in front of a notary or an escrow officer. Your mortgage broker will provide you with any preparation details you might need, such as bringing a photo ID or a cashier's check if you're purchasing real estate. It's important to give yourself enough time to review the documents for accuracy before signing them.

If funds are being wired: “Wiring instructions” direct the electronic transfer of money between financial companies. If possible, arrange to have the wiring instructions in place ahead of time and checked for accuracy by both the sender and recipient of the wire. It is critical that these instructions be exact, and even so, delays are all too common.


After your loan has closed, your mortgage broker will likely call you to confirm that the funds have been transferred successfully. However, it is always recommended to follow up with a phone call to ensure that your loan funds were sent to the correct account. Keeping accurate records of this critical phase of the transaction is a good idea to ensure that everything is in order. You should also make sure to receive copies of all the loan documents and closing paperwork for your own records. If you have any questions or concerns during this process, don't hesitate to reach out to your mortgage broker for clarification.

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