Know Before You Close
Closing Documents
Preview the documents you'll sign at your settlement. Click any document to open a sample PDF.
Legally Binding Documents
These are the core documents that establish your loan obligation and property interest.
Closing Disclosure Form
Consolidates the final Truth-in-Lending disclosure. Federal law requires this be delivered to the borrower at least three business days before closing.
Deed of Trust
The mortgage document (7–12 pages) that must be signed by all property owners. It establishes a security interest in the property and is recorded as a lien in public land records.
The Note
The borrower's promise to repay the loan. Identifies the loan amount, interest rate, term, payment dates, grace period, late charges, and prepayment provisions.
Disclosures
Federal and state-required disclosures you'll receive and sign at closing.
Riders
Addenda to the Deed of Trust that apply based on your property type or loan structure.
Tax Forms
IRS forms required for your real estate transaction.
Have questions about what you're signing?
Our attorneys are available to walk you through every document before and at closing.