Globella Buyers RealtyResources > Loan Document Signing Tips

Things to do Before & During Your Loan Doc Signing Appointment

When it's time to sign your loan documents, there are a few things you should keep in mind. Your escrow officer will receive the loan documents from your lender, and he/she will need some time to prepare the documents for you. The escrow officer will contact you to schedule a time for you to meet with a notary to sign the documents. Typically, the notary can come to you, so think ahead about the most convenient place you'd like to meet (a place that has a couple chairs and a large desktop/table-top area that will be comfortable for signing a large amount of documents). Another option that is often available is to meet the notary at the escrow office (but the convenience of that will depend on where your escrow office is located). I like to attend these appointments with my clients, so please include me during the scheduling phase (hopefully we can find a time that works for the notary, you, and me). If you schedule the appointment at a time that doesn't work for me, you can call my cell phone if questions arise during the appointment. 

Here are some things to remember to bring for the appointment:

1. Bring two forms of identification (driver's license, Costco card, passport, etc.).

2. Bring your Good Faith Estimate (GFE) from your lender.

3. Bring your loan officer's contact info (in case there is a question about the loan documents), and coordinate with your loan officer beforehand to make sure he/she will be available to take your call if something comes up.

4. Bring a copy of the estimated HUD (closing statement) from your escrow officer.

Here are some things to be sure to do during the appointment:

1.  Review the Estimated HUD / Closing Statement paperwork to make sure that all the charges make sense and are correct. If something needs to be changed on these, it is typically OK to continue signing the loan documents, as the closing statement paperwork can be changed separately from the loan documents.

2. Double-check with the notary how your signature is supposed to look on the documents (some lenders care if you include your middle name, if the signature is unreadable, etc.).

3. Double-check the vesting instructions. Be sure that the names, spellings, and how you are taking title to the property are all correct.

4. Be sure that your name and the subject property are spelled correctly on the loan documents.

5. Compare your Good Faith Estimate (GFE) to the estimated closing statement/Estimated HUD. You will read on the GFE that some estimates are allowed to change to a certain degree. If you feel that something is being charged incorrectly, then bring it up to your loan officer and your escrow officer (and me, of course).

Most loan document signing appointments go relatively smoothly, and often there are no corrections to be made. As your buyer's agent, I feel it's important for you to double-check these things now, so that you don't accidently get overcharged for something, etc. If you do catch a mistake, you will be glad that you took the time to look! The appointment will last about an hour.

Once this appointment is finished, the notary will return the documents to the escrow company. The escrow company will send the documents to your lender, and your lender will review the documents. If everything looks good, they will fund your loan the next day (by wiring the money to the escrow or title company). The escrow company may still need an extra day to process the recording, depending on what time escrow receives the wire from your lender.

If you have not already done so, be sure to wire your closing funds to the escrow company right after signing your loan documents. Contact me or your escrow officer if you do not already have the wiring instructions. Escrow needs your funds and the lender's funds before escrow can complete the transaction. As usual, let me know if you have any questions about any of this!


Justin Gramm is the founder and principal broker of Globella Buyers Realty, your San Diego Exclusive Buyer Brokerage. 

Exclusive Buyer Agents do not list homes for sale and never represent sellers. They have no "inventory" to try to sell you. They can represent you in purchasing any home. They are specialists at representing buyers only on the buyers' side of the transaction. Exclusive Buyer Agents work to get buyers the best price and terms when they buy a home.

If you have excellent credit and plan to buy a home or condo in San Diego County within 90 days, contact Justin Gramm to hire an agent on your side of the transaction. More about Justin Gramm on Call Justin at (858) 437-2662 or  E-mail.

Globella Buyers RealtyResources > Loan Document Signing Tips

Justin Gramm, Broker
Globella Buyers Realty
Ph: 858.437.2662
CA 92102 US
CA DRE License # 01714813
What is an EBA? When to Hire an Agent Buying a Home in 2022 How My Schedule Works Buyer Strategy Session How I Work When to Buy? Part 1 Globella Questionnaire About Globella Why Hire Justin? Buyer Representation Helpful Buyer Links How I Get Paid Buyer's To-Do List Location = Lifestyle First-Time Homebuyers About Justin Gramm VIDEO: Meet Justin Luxury Buyers 10 Best School Districts How to Write an Offer Paperwork North Cty vs. San Diego What is Dual Agency? Testimonials/Reviews Relocating to San Diego New Construction About Buyer Agency Dog-Friendly Buildings The Informed Buyer Paperwork Explained Home Buying FAQ Help for Luxury Buyers Buying a Condo The Dual Agent Trap Retiring in San Diego 3 Investing Strategies The Globella Difference 5 Reasons to Rent Buying Foreclosures 5 Reasons to Buy Agency 101 Accredited Agent (ABR) 1031 Exchange Tips Privacy Policy Avoid Moving Twice Agency Disclosure Preapproval Questions Choosing a Lender Negotiation Expert Agent Ethics Buyer Agent Interview Foreclosures Buying a New Home Hiring an Inspector Top 1% of Realtors Second Home Expert Negotiating Your Loan Avoiding Wire Fraud Termites! Buyer Services Free Buyer Reports Get a Home Warranty Hot vs. Cold Market Hazard Insurance Tips Free Investor Reports Checking HOA Health Earthquake Insurance Condo Litigation SD Weather Tips Property Taxes Cost of Granny Flat Vesting as LLC or Trust Buying with a VA Loan Investor Services Buyer Resources Code of Ethics About the Name Contractor List Home Investigation Tips Moving Checklist The Grande: Downtown Condos Seven on Kettner Treo Beech Tower Citymark at Cortez Hill Park View Gaslamp City Square Watermark 235 on Market Atria Brickyard Columbia Place Harbor Club Island Lofts Angove Lofts Jacaranda Studios Rowhomes on F Bella Via Columbia & Fir Lofts Date Street Townhomes Ecco Lofts Finestra Lofts Hawthorn Place Kettner Rowhomes Lusso Lofts The State The Waterfront Victorian House Aperture Preparing a Short Sale Offer How A Short Sale Lender Analyzes an Offer Short Sale Lenders Approval Options Different Short Sale Lenders Act Differently Loss Mitigation vs. Foreclosure Departments Short Sale Defined The Ideal Short Sale Seller Why Do Banks Even Consider Short Sales? Some Listed Short Sales Are Not Closeable La Jolla Del Mar Point Loma Rancho Santa Fe Pacific Beach Coronado Downtown San Diego Contact Us Communities Buying Short Sales FAQ International Buyers First-Time Buyers Vacation-Home Buyers Move-Up Buyers Downsizing Buyers 1031 Exchange Buyers Luxury San Diego Real Estate Fair Housing Investment Buyers San Diego Photos New-Home Buyers Testimonial Chuck Smith Testimonial Downtown Steve What's Exciting! How We Work Short Sale Testimonial Investing Buying a Home Footer Links Local Restaurant Reviews SD Restaurant Reviews Things to Do in SD SD Eatery Reviews Paperwork How We Work About Our Name How We Get Paid Before Writing Offer Before You Write an Offer Before Writing an Offer Del Mar Buyers Agent 92101 Buyers Agent Loan Doc Signing Tips Testimonial - Samantha Z. How I Work Review from Melanie & Michael Review from Erica M. Buying in 2014 Spring Home and Garden Show 2014 at Del Mar Fairgrounds Review from Daniel E. Review from Steve and Chi Buying in 2015 Spring-Home-Garden-Show-San-Diego-Del-Mar-Fairgrounds Buying a Home in 2016 Review from Michael I. Review from John and Wendy Review from Allison H. Review from Frank S. Broken-Landing-Page San-Diego-Spring-Home-and-Garden-Show-2016 Your Ivy at Carmel Valley Exclusive Buyer's Agent Your Sea Cliff Exclusive Buyers Agent Your Avery Pointe at Veridian Exclusive Buyer's Agent Your Lanai in Carlsbad Exclusive Buyer's Agent Your Pacific Gate San Diego Exclusive Buyers Agent Your SummerHouse Carlsbad Exclusive Buyers Agent 2016 San Diego Market Your-Park-at-Bankers-Hill-Exclusive-Buyers-Agent Your Aura Exclusive Buyers Agent San Diego Buyer Agent Review from Mary R. San Diego Buyer Agent Review from Dan B. Your Estates at Del Sur Exclusive Buyers Agent San Diego Buyer Agent Review from Ken and Cindy Three Reasons to Buy a Home in Hillcrest, San Diego Three Reasons to Buy in Bankers Hill San Diego Your Elms at Carmel Valley Exclusive Buyers Agent When to Buy? Part 2 San Diego Buyers Agent Review from Kevin C. Three Reasons to Buy in Encinitas San Diego San Diego Buyer Agent Review from Natacha S. Is Fall a Good Time to Buy a New Home? Your Elms at Carmel Valley Exclusive Buyers Agent Your Canterra Exclusive Buyers Agent Three Reasons to Live in Normal Heights, San Diego San Diego Buyer Agent Review from Renaud P. Buying a Home in 2018 Your Estancia at Cielo Exclusive Buyers Agent Your Upper Cielo Exclusive Buyers Agent Three Reasons to Buy a Home in La Mesa Your-Cottages-at-St-Cloud-Exclusive-Buyers-Agent Your Harmony Grove Exclusive Buyer Agent Three Reasons to Live in Kensington, San Diego 8 Home Maintenance Tips for Spring Federal Interest Rate Hike and San Diego Homebuyers Review from Stewart H. Review from Roland M. Review from Duane and Nancy Review from Natacha S. Review from Shandi and Michael Your Savina Exclusive Buyers Agent Your Escaya Exclusive Buyers Agent Your Terraces at Robinson Ranch Exclusive Buyers Agent Your Signature Exclusive Buyers Agent Your Garrison Landing Exclusive Buyers Agent Review-from-Joseph-C Review from Kara S. Review from Martin and Jackie 2018 Market Update Three Reasons to Live in South Park San Diego Review-from-Adam-W. New Granny Flat Law in San Diego Why Buy at Civita Review- from-Randy-F. Review-from-Oline-C Buyer's Privacy Rights Review from Alex M. Three Reasons to Live in Tierrasanta Review from Greg C. Review from Kenjie S. Review from L.T. Review from Mike L. Sandicor Statistics Videos Market Statistics Contact VIP Home Finder Request a Buyer Strategy Session / Interview Welcome Subscribe Site Map