So far, so good. You are almost at the closing table, but not quite yet. There are still some hurdles to jump over:
Your loan must be “cleared to close” by the lender’s underwriting department, and a loan commitment letter must be issued.
You and your REALTOR should conduct a ‘final walk through’ to ensure the property has been left in the proper condition. Is everything there that is supposed to be there (appliances, washer and dryer, etc)? Did anyone cause damage to the floors or walls during the moving process that must be repaired? Typically, the final walk through is just a formality; but, every once in a while, it reveals important conditions that need to be addressed before accepting ownership of the property!
Have you called all of the utility companies to ensure service has been transferred into your name as of the closing date? Electricity… heating fuel… cable tv… internet… phone (if you still use a land line)… etc.
Did you receive the lending statement from your loan officer and the settlement statement from your title company (or attorney)? Did you forward a copy of each to your REALTOR? Did you read them carefully, and spoken with your REALTOR? Have asked the loan officer or title company any questions that may need to be answered?
Have you gone to the bank to obtain the certified check for the exact amount of money you will need for the closing (or made arrangements to have those funds electronically transferred to the title company)?