What information do you need from me prior to closing?
A contact phone number
Your marital status
Your mortgage/lender information
Your homeowners' insurance information
What should I bring to closing?
Proper picture identification (a Driver's License, Passport or Picture Identification issued by the state)
Spouse, if married (your spouse's signature may or may not be required by your lender; please ask your Rudy Title contact if you are unsure)
Certified funds for any amount exceeding $1,000 if you need funds to close.
I’m married, does my spouse need to come to closing?
Your spouse will need to be present if your spouse is the co-borrower for the loan on the subject property.
If your spouse is not the co-borrower, your spouse may or may not be required to come to closing. Your lender will ultimately decide if they require your spouse to sign certain loan documents, so you must confirm with your lender first.
In the event of a cash purchase, your spouse is not required to be present for closing.
Your spouse will not need to come to closing if the property you are purchasing is an investment property (unless your spouse is a co-borrower on the loan).
