Once the escrow officer has put the loan documents in their final form, they will reach out to you and the seller to
arrange signing appointments.
For example, if you refinance into a $ 250,000 loan with 3 % closing costs, you'll need to pay $ 7,500 on
your signing appointment day, roll the costs into the loan, or receive a lender rebate to offset the costs.
You then come in for what we call a Review and
Sign appointment.
Once your loan officer has the final figures on the real estate transaction and the certified funds needed to bring to
the signing appointment from your attorney, your loan officer will reach out to you.
Once the review and
sign appointment is complete, your bankruptcy petition is usually filed within a week.
Then, at
the signing appointment, further tweakings often occur (sometime wholesale changes — human beings can be unpredictable or even capricious).
Be sure to double check with your lender or escrow officer about what to bring with you for
your signing appointment.
The escrow officer or your real estate agent will contact you to set up
a signing appointment.
I will allow for late showings or
signing appointments to accommodate random late work schedules when applicable.