What do I bring to closing?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Bring a government-issued photo ID and your cash to close as a wire transfer or cashier's check (personal checks aren't accepted for large amounts). Have proof of homeowners insurance in place.
Your spouse may need to attend depending on title. We send you a closing checklist in advance, including the exact wire amount and instructions.
The closing checklist
Bring a valid government photo ID, such as a driver's license or passport. Bring your cash to close, sent by wire ahead of time or as a cashier's check. Bring proof of homeowners insurance if the title company does not have it.
It also helps to bring your closing disclosure so you can compare the final numbers as you sign.
Guard against wire fraud
Never trust wire instructions from an email alone. Call the title company using a number you look up yourself to confirm where the money goes. Wire fraud spikes around closings.
We remind you of every item and help you verify your wire. Apply now and we will send you a clear closing-day checklist for Florida.