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Step 11. WHAT DO YOU HAVE TO DO WHEN CLOSING ON A HOUSE

When you are buying a home, you want to have a great experience with as little stress as possible. Being prepared when closing on a house and knowing what to do will help achieve these goals.

Final Walk-Through

The final walk-through of the home will take place before or during the closing. This is the final chance for you to make sure the home is in the condition you expect it to be. You can confirm that the seller has moved out and completed all repairs agreed to in the sales contract. Finally, you can make sure that all appliances and systems are working and that any items the seller agreed to leave behind are in the house.

Your Closing Appointment

In Arizona, it is customary for a title company to act as a neutral third party and handle the closing appointment. As part of this process, the title company will coordinate the signing of all closing documents, loan funds disbursement, escrow withholding and document recording with the county.

Know What You Need to Bring When Closing on a House

  • valid photo identification
  • wire transfer instructions so you can pay any money required to close as found on your Closing Disclosure

Note that any person who will be on the title of your home and/or is required to sign closing documents must attend.

Documents You Will Sign

  • The final version of your loan application
  • All required state and federal disclosures
  • Closing Disclosure – List of all of the costs related to the purchase of the home and your loan application.
  • Promissory note – The loan agreement between you and the mortgage company that contains the promise to repay the amount borrowed. The promissory note contains the name of all borrowers, the property address, the loan amount, the loan term, the interest rate and the late charge amount.
  • Deed of Trust – Arizona is a deed of trust state. A deed of trust is a legal instrument that is used to create a security interest in real property. It transfers legal title to a trustee. The trustee will hold it as security for the loan. If you fail to pay your loan, the trustee will start the foreclosure process on behalf of the mortgage company.

The Last Steps – Funding and Recording

Once you have finished signing all of the closing documents, the title company will return the documents to the lender and request that the lender send the funds necessary to close your purchase transaction.

The title company will then send the deed of trust to the county recorder where the property is located. The county recorder will record the deed to provide the legally required public notice.

Things You Should Do After Closing On a House

Get Your Keys

Things to do after you close on a home in Arizona.

Once you have signed all of the paperwork at the title company and it has been confirmed that your loan has funded, all monies have been accounted for and your deed has been recorded, you can get your keys.

You need to make sure that you get the keys to all doors. If it is applicable, you’ll want to make sure you get all keys to the mailbox, utility box, sprinkler system and shed. You’ll also want to make sure that you get all applicable gate codes, security codes and garage door openers. If you buy a smart-home, make sure that you change all of the system access codes.

Some people don’t take any chances and choose to replace all locks, garage door codes and other access codes.

Change Your Address

You need to change your address the following:

  • the post office
  • your driver license
  • your bank
  • your employer
  • your creditors (auto loans, personal loans, student loans, etc.)
  • and others.

Also, when closing on a house, you may want to send your new address to friends and family.

Get a Home Warranty

A home warranty is a must for any homeowner. It helps protect you from costly and unexpected repair bills.

So what is it? A home warranty is a one-year service contract that covers repairs and replacements of most major home appliances and system components due to failure, standard usage and other problems that happen due to age.

Moreover, a home warranty covers the things that your insurance doesn’t. A home warranty will typically cover most major components of large home systems, such as your HVAC (central heating ventilation air condition), water heaters, plumbing, electrical and more. It may also cover regular appliances such as washers, dryers, refrigerators and stoves. Other common systems for home warranty coverage include garage doors, ceiling fans, doorbells, and garbage disposals. Finally, some plans allow you to purchase optional add-on coverage for your spa, second refrigerator, swimming pool, pumps and more.

Don’t assume that a home warranty covers everything. You need to read your home warranty carefully and ask questions about the home warranty company to make sure that you are getting the right plan that includes all of the items you want to be covered.

The cost of an annual home warranty contract is usually between $300 and $800. When you sign your purchase contract, you completed a section that advised you to investigate the various home warranty plans available and you chose if the home warranty would be ordered and paid by you, the buyer, or the seller.

Many people incorrectly believe that a home warranty is the same as homeowners insurance. It’s not. Homeowners insurance covers you in the event of a disaster, such as a hurricane or a hailstorm that breaks windows, throws a tree on your house, or damages your roof. Homeowners insurance doesn’t cover repairs your home needs as a result of normal wear and tear.

A home warranty, on the other hand, provides the coverage you need for normal wear and tear. The right home warranty covers the major systems in your home as well as any appliances that you want to be covered. When these systems or appliances break down, a home warranty provides financial assistance to fix them.

Legal Disclaimer

This home buyer series is intended to provide general information regarding the process of how to buy a house in Arizona. It is not intended to provide buyers with legal, accounting or financial advice. You are advised to seek the services of a skilled professional this those fields.

Additionally, this homebuyer series does not set forth all qualification criteria for any of the loans described herein; all interested persons must successfully meet qualification criteria and complete the application process to obtain such loans.

HOMES WE CAN HELP YOU FINANCE

$299,800
2 Beds 2 Baths 7061822 MLS 1,112 SqFt.
Enjoy low-maintenance living in the gated Villas Tuscany community, ideally located in desirable East Mesa near shopping, dining, golf, parks, medical facilities, and convenient freeway access. This move-in ready 2-bedroom, 2-bath home offers a functional open-concept floor plan, modern features, and the security and convenience today's buyers are looking for. Inside, you'll find vaulted ceilings, durable tile flooring throughout, 2-inch blinds, and a spacious great room designed for comfortable everyday living and easy entertaining. The open kitchen features a breakfast bar, pantry, abundant cabinetry with hardware, stainless-steel appliances, and a brand-new range/oven, making meal preparation both convenient and enjoyable. A soft water loop is also included. The private primary suite... offers a walk-in closet and en-suite bathroom, while the split-bedroom layout provides flexibility for guests, a home office, or roommates. Step outside to a covered patio--perfect for enjoying Arizona mornings or relaxing in the evening. Security screen doors at both the front and back entrances provide added peace of mind and allow for fresh air throughout the home. Located just a short walk from the community pool, this home offers the perfect blend of privacy, convenience, and resort-style amenities. Whether you're searching for a primary residence, lock-and-leave second home, retirement property, or investment opportunity, this home delivers outstanding value in one of East Mesa's most convenient gated communities.

64 N 63rd Street Unit 18, Mesa

$327,500
3 Beds 2 Baths 7061734 MLS 1,385 SqFt.
**BRAND NEW A/C installed in July 2025!** Enjoy peace of mind knowing this high-efficiency system is only one year old and comes with a transferable warranty for the new owner. Welcome to this beautifully maintained home in the highly sought-after **Augusta Ranch** community, where comfort, convenience, and lifestyle come together. Perfectly situated close to the neighborhood's sparkling community pool, you'll enjoy resort-style amenities practically right outside your door. Inside, you'll find an inviting open-concept floor plan designed for both everyday living and effortless entertaining. The great room flows seamlessly into the kitchen, creating a bright and welcoming atmosphere. The kitchen is equipped with sleek stainless steel appliances, generous counter space, and excellent sightlines to the main living areas, making it ideal for hosting family and friends. One of the home's most striking architectural features is the stunning industrial-style spiral staircase, which leads to an expansive loft. Whether you're looking for a home office, game room, media space, workout area, or additional living room, this versatile loft offers endless possibilities. The thoughtfully designed split-level floor plan provides exceptional functionality. The private primary suite is conveniently located on the first floor with easy access from both the front entry and the attached two-car garage. The laundry room is also located on the first level, adding to the home's everyday convenience. Upstairs, you'll find two additional bedrooms, a full bathroom, and the main living spaces, offering an ideal layout for families or guests. Located just steps from the community pool, this home also backs up the incredible Augusta Ranch lifestyle with a beautiful tree-lined greenbelt nearby and an elementary school within easy walking distance. The HOA takes care of all front landscaping, giving you more time to enjoy the community and less time worrying about yard maintenance. Families will appreciate being located within an award-winning school district, including a highly regarded elementary school. Augusta Ranch is known for its prime Mesa location with convenient access to both the US-60 and Loop 202, making commuting throughout the Valley quick and easy. You'll also be just minutes from a wide variety of shopping, dining, entertainment, golf, and everyday conveniences. This exceptional home combines a versatile floor plan, beautiful community amenities, low-maintenance living, an unbeatable location, and the added value of a brand-new A/C system. Don't miss your opportunity to own a home in one of Mesa's most desirable neighborhoods!

9233 E Neville Avenue Unit 1147, Mesa

$250,000
2 Beds 2 Baths 7061417 MLS 1,113 SqFt.
Pride of ownership shines throughout this hard-to-find 2-bedroom, 2-bathroom townhome with a 1-car garage in the highly desirable Red Mountain Villas community. This truly move-in-ready home has been extensively updated from top to bottom, including a 1-year-old A/C unit, new luxury vinyl plank flooring throughout, new baseboards, resurfaced kitchen cabinetry, a new single-basin sink with faucet and garbage disposal, and a complete set of brand new black & SS appliances, including the washer and dryer. The spacious primary suite features a beautifully remodeled walk-in shower, with brand-new bathroom vanities currently being installed. Additional upgrades include new lighting and ceiling fans throughout, new backsplash, new toilets, angle stops, and more. Homes in Red Mountain Villas rarely become available making this an exceptional opportunity you won't want to miss. Residents enjoy a beautifully maintained community featuring a heated pool and spa, perfect for year-round relaxation. Enjoy carefree living with HOA-maintained front and back landscaping, making this beautifully maintained home the perfect lock-and-leave residence for winter visitors, seasonal homeowners, or anyone seeking a low-maintenance lifestyle. Conveniently located just minutes from the Loop 202, you'll enjoy quick access to shopping, dining, hospitals, multiple golf courses, miles of scenic hiking and biking trails, and Saguaro Lake--all just 15 minutes away.

1951 N 64th Street Unit 4, Mesa

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