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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

$419,000
2 Beds ⋅ 2 Baths ⋅ 7026264 MLS ⋅ 1,890 SqFt.
RARE OPPORTUNITY! Welcome to a masterclass in contrasts--where high-desert drama meets waterfront serenity. This electrifyingly updated sanctuary merges sleek, contemporary design with the raw beauty of the Arizona landscape. Imagine entertaining in a chef's kitchen featuring custom cabinetry and exquisite granite, then enjoying a relaxing evening on your private, resort-style patio. This absolutely stunning home with custom upgrades boasts two bedrooms two bathrooms and a two car garage on the waterfront - a rare find in the community. The entire property has been meticulously upgraded from top to bottom, featuring newer modern paint throughout, and a thoughtfully reconfigured layout that delivers the open, contemporary feel today's buyers crave. With its bright, airy feel, curated finishes, and quick access to the lake, this is Arizona waterfront living at its absolute finest!

403 Leisure World --, Mesa
$398,999
3 Beds ⋅ 3 Baths ⋅ 7026023 MLS ⋅ 1,422 SqFt.
Bright, modern, and move-in ready--this highly desirable end-unit townhome in Mosaic at Layton Lakes checks every box. Built in 2021 with smart home features including WiFi connectivity and a smart lock system, this 3-bedroom, 2.5-bath home offers 1,422 square feet of stylish and functional living space. As an end unit, it offers extra privacy, plenty of natural light, and only one shared wall, making it feel more like a single-family home. The open-concept main floor features sleek tile flooring, beautiful wood cabinetry, quartz countertops, and plantation shutters that allow you to control both privacy and natural light with ease. A convenient powder room is located just off the kitchen. Upstairs, enjoy the privacy of a split floor plan, new vinyl plank flooring, placing the primary suite on its own side of the home, separate from the two additional bedrooms, full guest bathroom, and laundry closet. The primary suite is a true retreat, complete with a spacious walk-in closet and a luxurious en suite bath featuring executive-height dual sinks, quartz countertops, and a glass-enclosed walk-in shower with upgraded tile surround that elevates the entire space. The additional bedrooms are perfect for guests, kids, or home office use, and the second full bathroom offers convenience and comfort. You'll also appreciate the upstairs laundry and attached 2-car garage. Outside, enjoy resort-style amenities just steps from your front door pool, spa, shaded playground, picnic areas, and greenbelt walking paths. Located in the heart of Gilbert with access to the top-rated Chandler Unified School District, this home offers the perfect blend of comfort, privacy, and low-maintenance living.

779 E Doral Avenue Unit 104, Gilbert
$265,000
3 Beds ⋅ 2 Baths ⋅ 7025987 MLS ⋅ 1,088 SqFt.
Well-located 3-bedroom, 2-bath block home offering comfort, convenience, and easy access to some of Tempe's most popular destinations. Situated close to ASU, Sky Harbor Airport, shopping, dining, and everyday essentials. Enjoy a private courtyard patio with views of the grassy community park, playground, and pool, creating a comfortable outdoor space for relaxing or entertaining. With a functional layout, solid block construction, and a location that keeps you close to everything, this home is ready for its next chapter.

1022 W Malibu Drive, Tempe
$435,000
2 Beds ⋅ 3 Baths ⋅ 7025661 MLS ⋅ 1,369 SqFt.
Live the waterfront lifestyle in this beautifully updated and impeccably maintained 2-bedroom, 2.5-bath home in the gated community of The Lakes at Annecy in Gilbert. Perfectly positioned on the water and bordering a serene common area, this home offers both privacy and picturesque views. Inside, you'll find a light, bright, and immaculate interior with thoughtful updates throughout. Quartz counters with the marble look, under cabinet lighting, and stainless steel appliances in the kitchen. Each bedroom features its own en-suite bath, plus a convenient half bath downstairs for guests. The open layout is ideal for both everyday living and entertaining with 2 balconies with peaceful views. The location truly sets this home apart1 It's just 5 minutes from SanTan Village, Costco, top-rated restaurants, shopping, and Mercy Gilbert Medical Center. Whether you're looking for a luxurious lock-and-leave property, a low-maintenance lifestyle, or the perfect starter home, this one checks every box. Waterfront living, gated security, unbeatable convenience...welcome home.

1698 E Bridgeport Parkway, Gilbert
$312,500
2 Beds ⋅ 2 Baths ⋅ 7025376 MLS ⋅ 1,091 SqFt.
Embrace easy living in this remodeled, move-in ready 2-bedroom, 2-bath townhouse located in the highly desirable Greenfield Glen 55+ community. Thoughtfully updated from top to bottom, this charming home features a bright open-concept layout with new flooring, updated appliances, stylish light fixtures, and contemporary finishes throughout. New windows . It is a FHA/VA approved property Designed for comfort and convenience, this low-maintenance property is perfect for a lock-and-leave lifestyle or year-round Arizona living. Residents enjoy resort-style community amenities including a sparkling pool, beautifully maintained grounds, and a peaceful, welcoming atmosphere. Affordably priced and beautifully updated, this is an exceptional opportunity to enjoy carefree living

1021 S Greenfield Road Unit 1075, Mesa
$365,000
2 Beds ⋅ 3 Baths ⋅ 7025371 MLS ⋅ 1,168 SqFt.
Buyer for this house may be eligible for up to $17,500 down payment assistance grant. Updated townhome in the prestigious community The Islands, which boasts amenities such as 74 Acres of Lakes, 30 Acres of Grass, Basketball court, Sand Volleyball Court, Bocce ball court, Playground, Facility Rental, Ramadas and Charcoal Grills. The house is filled with natural light spilled into each room from its brand new windows. Kitchen is completely updated. It is also equipped with smart switches, thermostats, and Ring doorbell. Custom shelving in the walk-in closet, laminated wood floor downstairs, curtains and blinds, for additional comfort. Spacious back patio adjacent to grassy greenbelt with towering pine trees. There are two primary bedrooms . It is updated for maximum energy efficiency and c and convenience. It is a perfect home for you.

405 S Seawynds Boulevard, Gilbert
$240,000
1 Beds ⋅ 1 Baths ⋅ 7025275 MLS ⋅ 673 SqFt.
Live like you're on vacation every day in Val Vista Lakes, this is what Arizona living is all about! Resort-style amenities right outside your door. Think beach pool, lap pool, pickleball, and a full gym so you cancel your membership, plus a clubhouse access for gatherings, & even another private heated pool just for Beach Club Village residents. And when you're not enjoying the lifestyle, you'll love coming home to this adorable condo featuring a one-car garage with the living space all on one level upstairs featuring vaulted ceilings, a cozy fireplace, two private balconies, and thoughtful upgrades throughout. Located just off the US 60, you're about 30 minutes to the airport and close to everything across the Valley. Low-maintenance, lock-and-leave, and all about the lifestyle!

1633 E Lakeside Drive Unit 25, Gilbert
$410,000
2 Beds ⋅ 2 Baths ⋅ 7025185 MLS ⋅ 1,781 SqFt.
Wow, a villa on the water and the greenbelt with over a 9,000 sq.ft. lot! What more could you want in the award winning 55+ community of Province? This home has a split floorplan with guest bedroom in front and the master in back overlooking the water. Both the kitchen and the master have bay windows overlooking the water. You will find outdoor living at it's finest with multiple seating areas from the covered patio to extended patio with pergola and built in BBQ then you have the firepit and another seating area down by the water so you can listen to the water fall. Or, you could take a nap in the hammock on the side of the house while listing to the water. Did we mention the furniture stays? Need a car? Take a look in the garage. All of this in the guard gated 55+ lake community of Province, a 55+ adult community with activities to meet all your needs including a putting green, catch and release lakes and over 5 miles of walking paths. Province proudly sports 9 beautiful, lighted and dedicated pickleball courts with a very large and active recreational and competitive club, practice your putting, enjoy a game of bocce or play a game of tennis, is nothing short of "retiring like you mean it!" To wrap it all up, inside the 32,000 square foot club house, you have a fitness center, lap pool, large card/game rooms, library, billiards room, ceramic, sewing, and computer center besides the quaint, gorgeous outdoor pool for perfect solitude or fun gatherings with friends and family. The Duke golf course is less than a mile away in Rancho el Dorado and Southern Dunes golf course is less than 5 miles away.

20705 N Lemon Drop Drive, Maricopa
$399,900
3 Beds ⋅ 3 Baths ⋅ 7025137 MLS ⋅ 1,555 SqFt.
Live the ultimate Gilbert lifestyle in this stunning 3-bed, 2.5-bath townhome just steps from the vibrant Heritage District. Imagine walking to brunch at Culinary Dropout, dinner at OSHO, or drinks at Postinos--all minutes from your front door. This modern home features a spacious great room with trendy tile plank flooring, granite countertops, and stainless appliances. Convenience is key with an upstairs laundry (washer/dryer included), a private covered balcony, and an extended two-car garage for extra storage. Located in a premier gated community, you'll enjoy resort-style amenities including two pools, a gym, volleyball, and a playground. With easy access to the US-60, medical centers, and top-tier shopping, this is the perfect blend of luxury and location. Don't miss out!

240 W Juniper Avenue Unit 1140, Gilbert
$300,000
2 Beds ⋅ 2 Baths ⋅ 7025090 MLS ⋅ 1,252 SqFt.
Welcome to Park Premier South Townhouses in beautiful Tempe Arizona! Imagine a quaint place that is close enough to all the areas you need to be or like to be. Whether you are a student attending/will be attending Arizona State University, first-time homebuyer or downsizing and like to be close to all the great things the City of Tempe has to offer. Yet have the tranquility of a cozy home with new Pella dual pane windows, warm luxury vinyl plank flooring and freshly painted ceiling in a wonderful community with great amenities. Live the lifestyle you desire! There are ample grassy courtyards with mature tress. Take a dip or lounge around the community pool. Get more physical activity in, play a pick up basketball game or tennis with friends and neighbors at the community courts.

6747 S Jentilly Lane, Tempe
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