{"id":198582,"date":"2024-03-21T11:59:19","date_gmt":"2024-03-21T11:59:19","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/"},"modified":"2024-03-21T11:59:19","modified_gmt":"2024-03-21T11:59:19","slug":"what-to-take-to-escrow-closing","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/","title":{"rendered":"What to take to escrow closing?"},"content":{"rendered":"<p>When it comes to closing on a real estate transaction, being prepared is key. One of the most important things to remember is ensuring you have all the necessary documents and items with you at the escrow closing. Here is a comprehensive list of what to take to escrow closing to ensure a smooth and successful transaction.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#Documents\" title=\"Documents:\">Documents:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#Items\" title=\"Items:\">Items:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#FAQs\" title=\"FAQs:\">FAQs:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#1_Can_I_use_a_credit_card_for_closing_costs\" title=\"1. Can I use a credit card for closing costs?\">1. Can I use a credit card for closing costs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#2_Do_I_need_to_bring_my_spouse_to_the_closing\" title=\"2. Do I need to bring my spouse to the closing?\">2. Do I need to bring my spouse to the closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#3_Do_I_need_to_bring_my_real_estate_agent_to_the_closing\" title=\"3. Do I need to bring my real estate agent to the closing?\">3. Do I need to bring my real estate agent to the closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#4_What_happens_if_I_forget_to_bring_something_to_the_closing\" title=\"4. What happens if I forget to bring something to the closing?\">4. What happens if I forget to bring something to the closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#5_Can_I_bring_my_pet_to_the_closing\" title=\"5. Can I bring my pet to the closing?\">5. Can I bring my pet to the closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#6_Do_I_need_to_bring_my_attorney_to_the_closing\" title=\"6. Do I need to bring my attorney to the closing?\">6. Do I need to bring my attorney to the closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#7_How_long_does_the_closing_process_usually_take\" title=\"7. How long does the closing process usually take?\">7. How long does the closing process usually take?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#8_Can_I_bring_a_friend_or_family_member_to_the_closing\" title=\"8. Can I bring a friend or family member to the closing?\">8. Can I bring a friend or family member to the closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#9_Do_I_need_to_bring_my_home_inspector_to_the_closing\" title=\"9. Do I need to bring my home inspector to the closing?\">9. Do I need to bring my home inspector to the closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#10_Can_I_bring_my_children_to_the_closing\" title=\"10. Can I bring my children to the closing?\">10. Can I bring my children to the closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#11_Can_I_bring_food_or_drinks_to_the_closing\" title=\"11. Can I bring food or drinks to the closing?\">11. Can I bring food or drinks to the closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#12_Do_I_need_to_bring_the_seller_to_the_closing\" title=\"12. Do I need to bring the seller to the closing?\">12. Do I need to bring the seller to the closing?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Documents\"><\/span>Documents:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\n&#8211; **Photo identification**: Bring a valid photo ID such as a driver&#8217;s license or passport.<br \/>\n&#8211; **Closing disclosure**: This document outlines the final terms of your mortgage loan and closing costs.<br \/>\n&#8211; **Purchase agreement**: A copy of the signed purchase agreement for the property.<br \/>\n&#8211; **Homeowner&#8217;s insurance policy**: Proof of insurance for the property.<br \/>\n&#8211; **Title insurance policy**: Document showing that you have title insurance for the property.<br \/>\n&#8211; **Loan documents**: Any documents related to your mortgage loan.<br \/>\n&#8211; **Cashier&#8217;s check or wire transfer**: Payment for closing costs and down payment.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Items\"><\/span>Items:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\n&#8211; **Personal checkbook**: Just in case there are any unexpected expenses that need to be paid.<br \/>\n&#8211; **House keys**: Don&#8217;t forget to bring any keys you have for the property.<br \/>\n&#8211; **Voided check**: Some escrow companies may require this for electronic fund transfers.<br \/>\n&#8211; **Contact information**: Have the contact information for your real estate agent, lender, and escrow officer handy.<br \/>\n&#8211; **Checkbook or cashier\u2019s check**: To cover any closing costs or down payment that can&#8217;t be paid via wire transfer.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Can_I_use_a_credit_card_for_closing_costs\"><\/span>1. Can I use a credit card for closing costs?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost escrow companies do not accept credit cards for payment of closing costs due to the potential for chargebacks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Do_I_need_to_bring_my_spouse_to_the_closing\"><\/span>2. Do I need to bring my spouse to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you are purchasing the property together and both names are on the title, it is advisable for both spouses to attend the closing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Do_I_need_to_bring_my_real_estate_agent_to_the_closing\"><\/span>3. Do I need to bring my real estate agent to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile it is not required, it can be helpful to have your real estate agent present at the closing to address any last-minute questions or concerns.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_happens_if_I_forget_to_bring_something_to_the_closing\"><\/span>4. What happens if I forget to bring something to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you forget to bring a required document or item, it could delay the closing process. Make sure to double-check your checklist before heading to the closing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Can_I_bring_my_pet_to_the_closing\"><\/span>5. Can I bring my pet to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIt is best to leave your pet at home or with a pet sitter during the closing to ensure a smooth and professional transaction.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Do_I_need_to_bring_my_attorney_to_the_closing\"><\/span>6. Do I need to bring my attorney to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some states, having an attorney present at closing is common practice, but it is not required in all real estate transactions.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_How_long_does_the_closing_process_usually_take\"><\/span>7. How long does the closing process usually take?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe closing process typically takes between 1-2 hours, but this can vary depending on the complexity of the transaction.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_bring_a_friend_or_family_member_to_the_closing\"><\/span>8. Can I bring a friend or family member to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile it is not necessary to bring anyone other than those directly involved in the transaction, you are usually allowed to bring a friend or family member for support.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Do_I_need_to_bring_my_home_inspector_to_the_closing\"><\/span>9. Do I need to bring my home inspector to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThere is no need to bring your home inspector to the closing unless there are specific issues that need to be addressed or verified during the process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_I_bring_my_children_to_the_closing\"><\/span>10. Can I bring my children to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWhile it is not recommended to bring young children to the closing due to the length and nature of the process, older children may attend if necessary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_bring_food_or_drinks_to_the_closing\"><\/span>11. Can I bring food or drinks to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIt is best to avoid bringing food or drinks to the closing out of respect for the professional environment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Do_I_need_to_bring_the_seller_to_the_closing\"><\/span>12. Do I need to bring the seller to the closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe seller may or may not be present at the closing, depending on their preferences and the terms of the sale agreement. It is not typically required for the seller to attend.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to closing on a real estate transaction, being prepared is key. One of the most important things to remember is ensuring you have all the necessary documents and items with you at the escrow closing. Here is a comprehensive list of what to take to escrow closing to ensure a smooth and &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What to take to escrow closing?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-to-take-to-escrow-closing\/#more-198582\">Read more<span class=\"screen-reader-text\">What to take to escrow closing?<\/span><\/a><\/p>\n","protected":false},"author":50,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-198582","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What to take to escrow closing?<\/title>\n<meta name=\"description\" content=\"When it comes to closing on a real estate transaction, being prepared is key. 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