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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

$355,000
2 Beds ⋅ 3 Baths ⋅ 7049338 MLS ⋅ 1,242 SqFt.
MOVE-IN READY! Life feels a little different at The Lakes. Imagine morning walks around the water, afternoons by the Olympic-size pool, pickleball with friends, neighborhood events, and evenings spent enjoying one of Tempe's most beloved lake communities. With scenic lakes, mature trees, lush greenbelts, walking paths, a private Beach & Tennis Club, fitness center, boating, fishing, tennis, pickleball, basketball, racquetball, an active swim team, and a full calendar of clubs and activities, it's easy to see why so many people love calling The Lakes home. Tucked near the back of the community, this move-in ready two-story townhome offers the perfect blend of comfort, privacy, and low-maintenance living. Step inside to a welcoming living room featuring fresh interior paint throughout, brand-new carpet, updated laminate flooring in the living area, and a convenient main-floor powder room. The kitchen blends timeless style and everyday function with white cabinetry, granite countertops, stainless steel appliances, and an adjoining dining area that opens to a spacious, fully enclosed private patio--perfect for entertaining, relaxing, or enjoying Arizona's beautiful weather year-round. Upstairs, you'll find two true primary suites, each with its own private bathroom, walk-in closet, ceiling fan, and laminate flooring, creating a flexible layout that's ideal for guests, roommates, working from home, or simply enjoying the comfort and privacy of two spacious bedroom suites. Just minutes from ASU, Tempe Marketplace, Downtown Tempe, shopping, dining, entertainment, and convenient access to US-60, Loop 101, and I-10, this home offers more than just a place to live--it offers a lifestyle.

5619 S Admiralty Court Unit C, Tempe
$249,000
2 Beds ⋅ 2 Baths ⋅ 7049302 MLS ⋅ 1,285 SqFt.
Welcome home to this charming expanded patio home tucked away on a quiet cul-de-sac in the heart of Leisure World! This desirable split 2-bedroom floor plan sits on an oversized lot with attractive, low-maintenance landscaping and two south-facing patios perfect for enjoying Arizona's beautiful winter weather. The open kitchen flows seamlessly into the living area, creating an ideal space for entertaining family and friends. Enjoy one of the community's lower HOA fees while experiencing the award-winning lifestyle Leisure World is known for, featuring 36 holes of private golf, 3 pools, pickleball, tennis, a fitness center, library, arts & crafts, billiards, countless clubs, and 24-hour guarded security.

1612 Leisure World --, Mesa
$289,000
3 Beds ⋅ 2 Baths ⋅ 7049250 MLS ⋅ 936 SqFt.
Beautifully Remodeled Single-Level Townhome in an Unbeatable Tempe Location! Move right into this stunning 3-bedroom, single-level townhome featuring a private, fenced courtyard-perfect for relaxing, entertaining, or enjoying Arizona's beautiful weather. Every detail has been thoughtfully updated, including brand-new appliances, custom cabinetry, quartz countertops, designer-tiled showers, new flooring, and modern electric zebra blinds throughout. Ideally located just minutes from Arizona State University, Mesa Riverview, Sloan Park (Chicago Cubs Spring Training), shopping, dining, Valley Metro Light Rail, and the Loop 101 and 202 freeways, this home offers exceptional convenience for work, school, and recreation. Located within the highly regarded Tempe School District, this move-in-ready home combines modern style with low-maintenance living in a vibrant community. Whether you're looking for your primary residence, a second home, or an investment opportunity, this beautifully updated property is one you won't want to miss. Owner/Broker.

525 N May Street Unit 9, Mesa
$410,000
2 Beds ⋅ 2 Baths ⋅ 7049235 MLS ⋅ 1,587 SqFt.
Welcome to Tuscany Villas at Painted Mountain Golf Course, an exclusive gated community in NE Mesa that offers resort-style living. The property is conveniently located near the 202 Red Mountain Freeway, shopping venues, dining spots, and is only a short drive--under 30 minutes--to Sky Harbor Airport. Termite Inspection has already been completed along with updated home maintenance. This meticulously maintained two-bedroom townhome boasts a bright, open-concept design with spacious kitchen, living and dining areas, plenty of natural light, and neutral tile flooring throughout, with carpeted bedrooms. The upgraded kitchen is spacious featuring granite countertops, stainless steel app R/O system. All furniture and art work conveys. The flexible floor plan accommodates multiple bedroom options, features like tailor-made closet systems, a Murphy bed in the guest bedroom that allows for office flexibility. Private outdoor spaces include premium sized lot, courtyard and covered patio. A extended two car garage and easy-care landscaping all add to the home's attractiveness and function. Major systems have been updated: HVAC (2023), hot water heater (2025), soft water system (2025), and garbage disposal (2026). Quick close available. Residents enjoy amenities like a clubhouse, pool, spa, pickle ball court, fitness facility, media/game rooms and picturesque golf course views, perfect for either full-time living or a seasonal getaway. There are many social events and regular activities planned for the homeowners. No age restriction. Pet friendly with 2 pet limit.

6202 E Mckellips Road Unit Unit 3, Mesa
$370,000
3 Beds ⋅ 3 Baths ⋅ 7049207 MLS ⋅ 1,379 SqFt.
This rare townhome, with attached 2 car garage and in a gated community, is available to be your new home! A great room floorplan, this unit is light and bright! Wood like floors are throughout the first level. The kitchen, with stainless appliances, opens to the great room & dining area. The downstairs also has an office or den that can be used for whatever you need the space to be. A powder room is also located on the main level. Upstairs you will find the master bedroom suite, two secondary bedrooms with a hall bath & a laundry closet that includes a full size washer & dryer. An attached double garage will make you think this is a single family home! Just out the door & across the street is the community pool and the Augusta Ranch Golf Club is in walking distance down Baldwin.

2024 S Baldwin -- 79 -- Unit 79, Mesa
$325,000
2 Beds ⋅ 3 Baths ⋅ 7049179 MLS ⋅ 1,456 SqFt.
Beautifully maintained townhome located in a desirable gated community! This thoughtfully designed floor plan features 2 oversized primary suites, each complete with its own private bathroom, making it ideal for guests, multi-generational living, roommates, or a private home office. Offering 1,456 sq ft of living space, this home features beautiful wood-look tile flooring, an open-concept kitchen overlooking the family room, and an attached 2-car garage with plenty of storage. Both primary suite bathrooms feature double sinks. One suite offers a walk-in shower, while the other includes a tub/shower combination. Each oversized bedroom features a walk-in closet and its own private balcony. Upstairs you'll also find a convenient laundry room w/ storage cabinets, a built-in desk niche in the hallway that's perfect for working from home or homework, newer carpet, and an abundance of storage throughout. Enjoy the security and convenience of gated community living while being just minutes from shopping, dining, golf, and freeway access. This move-in ready home offers a rare floor plan in a fantastic Mesa location!

6710 E University Drive Unit 156, Mesa
$285,000
2 Beds ⋅ 2 Baths ⋅ 7049175 MLS ⋅ 1,046 SqFt.
Welcome home to this refreshed 2-bedroom, 2-bath residence in a desirable West Mesa location. Perfectly positioned near Arizona State University, vibrant Downtown Mesa, and the Oakland Athletics Spring Training facility at Hohokam Stadium, this home offers an unbeatable combination of convenience and lifestyle. Spend your weekends exploring local favorites like Goat and Ram, Tacos Chiwas, and Republica Empanada, catch a performance at the Mesa Arts Center, or discover Arizona's rich history at the Arizona Museum of Natural History. With shopping, dining, entertainment, light rail access, and major freeways all nearby, this is an ideal opportunity to enjoy everything the East Valley has to offer. Soaring vaulted ceilings and fresh interior paint create a bright, open feel throughout the main living space. The kitchen features generous counter space and ample cabinetry, making meal preparation and daily living both functional and efficient. Both bathrooms have been tastefully remodeled with modern finishes, and a brand new washer adds everyday convenience, making this home truly move-in ready. Enjoy a private covered back patio for relaxing or entertaining, along with a covered carport for added convenience. The community pool provides a refreshing retreat during the warmer months. Major 2025 updates include a new roof, full PEX repipe, plumbing upgrades with new shut-off valves, and new front gutters, offering peace of mind for years to come. Whether you're a first-time homebuyer, ASU student or faculty member, investor, or simply looking for a low-maintenance home in a prime location, this thoughtfully updated residence offers exceptional value, modern upgrades, and the best of Mesa living--all ready for you to call home.

910 N Center Street Unit 16, Mesa
$344,900
2 Beds ⋅ 2 Baths ⋅ 7049140 MLS ⋅ 1,296 SqFt.
Great opportunity to own this 2 bedroom, 2 bathroom townhome that sits on a beautiful corner lot. Tile & laminate flooring throughout, vaulted ceilings, cozy fireplace, ceiling fans, all appliances, etc. Exterior features a wonderful front courtyard & back patio. Low maintenance as the HOA covers all landscaping needs (outside the patio/courtyard). Large 2-car garage with built-in storage cabinets. Community pool! Buyer to verify all facts & figures.

2059 E Brown Road Unit 16, Mesa
$320,000
3 Beds ⋅ 3 Baths ⋅ 7049008 MLS ⋅ 1,377 SqFt.
$10,000 Seller Concession Available! Seller is offering to pay one year of HOA dues at closing, reducing the buyer's first-year ownership costs. Fully remodeled condo in the highly sought-after Dobson Ranch. This move-in ready home features a new A/c, luxury vinyl plank flooring, fresh paint, modern lighting, & designer finishes throughout. The stunning kitchen showcases white shaker cabinets, quartz countertops, waterfall island,full-height quartz backsplash, and stainless steel appliances. The open-concept floor plan creates a bright and inviting space, perfect for everyday living and entertaining. Enjoy Dobson Ranch amenities including lakes, pools,parks, walking paths, tennis courts, and recreation center. Conveniently located near shopping, dining, golf, and major freeways.

2121 S Pennington -- Unit 21, Mesa
$309,000
3 Beds ⋅ 3 Baths ⋅ 7048987 MLS ⋅ 1,223 SqFt.
Move-in ready Tempe townhome in an unbeatable location! Recent updates include fresh interior paint, brand new carpet, new light fixtures, and a bright kitchen featuring quartz countertops, a new dishwasher, beverage fridge, and all appliances included. Step outside to your private backyard with easy maintenance artificial grass, creating the perfect space to relax without the upkeep. Located just minutes from Downtown Tempe, Mill Avenue, and ASU. With quick access to the US-60 and I-10 freeways, this puts shopping, dining, entertainment, and commuting within easy reach. Whether you're looking for a primary residence, housing for your student who is attending Arizona State University, or an investment opportunity, this Tempe townhome offers comfort, convenience, and exceptional value.

1418 W La Jolla Drive, Tempe
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