Keep your financial situation unchanged, arrange insurance and legal signing early, transfer money only through verified instructions, and wait for confirmed possession before entering the home.
One to two weeks before possession
- Confirm lender conditions are complete and legal instructions have been sent.
- Arrange property insurance effective on the required date.
- Confirm final down payment, legal costs and adjustments.
- Verify how the lawyer requires funds to be delivered.
- Set up utilities and finalize the move.
Avoid changes before funding
Do not open new credit, finance a vehicle, miss payments, make large purchases or move down-payment money without records. A lender can recheck employment, credit and funds before advancing the mortgage.
Tell the broker immediately if employment, debt, credit or funds change. Early notice gives the team more time to respond.
Possession-day sequence
- Complete legal signing and provide identification and closing funds.
- Wait for the lawyer to confirm funding and registration.
- Receive keys according to the purchase contract.
- Complete the final walkthrough and document concerns.
- Locate shutoffs and check locks, utilities and safety alarms.
Keep the purchase, mortgage, insurance, inspection and legal records together after closing.
Frequently asked questions
When are keys released?
After closing and possession are confirmed under the contract by the professionals handling the transaction.
Can I finance furniture before closing?
Avoid new debt until funding unless the broker confirms it will not affect approval.
How should I send closing funds?
Use the lawyer’s verified instructions and independently confirm electronic-transfer details.