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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

$349,900
3 Beds ⋅ 2 Baths ⋅ 7070809 MLS ⋅ 1,320 SqFt.
Prized single-level corner/end-unit location with picture-window views across an expansive, tree-lined greenbelt. Step outside to an unusually open and peaceful setting with broad lawns, mature shade trees and a sense of privacy rarely associated with townhouse living.This beautifully updated 3-bedroom, 2-bath home combines an unusually open and private setting with the ease of low-maintenance townhouse living. Thoughtful improvements include a new HVAC system (2024), new kitchen appliances (2025), new Pergo flooring and 3-inch baseboards throughout (2026), fresh interior paint (2026), and new recessed dual-position kitchen lighting (2026). The primary bath has been refreshed with a new countertop, mirror and lighting, while the secondary bath cabinetry has been refinished. Beyond the home itself, Park Riviera offers the combination that's increasingly difficult to find in the heart of the Valley: established surroundings, generous green space and low-maintenance living in an exceptionally convenient Tempe location. ASU, Sky Harbor International Airport, Old Town Scottsdale, Downtown Phoenix and Tempe Marketplace are all within easy reach, along with convenient access to the Valley's major freeways. Residents enjoy two community pools, walking paths and a playground, while HOA roof maintenance helps simplify ownership. Whether used as a full-time residence, seasonal retreat or convenient home base for someone frequently on the Kitchen cabinetry and countertops were previously updated, and a freshly painted front door adds to the homego, the emphasis here is on enjoying where you live rather than spending your weekends maintaining it. With the updating already done, there's little left to do but settle in and enjoy the home, the setting and everything this central Tempe location has to offer.

4806 S Birch Street, Tempe
$275,000
2 Beds ⋅ 2 Baths ⋅ 7070622 MLS ⋅ 1,403 SqFt.
Welcome to this charming, move-in ready home in Province, one of Maricopa's sought-after 55+ communities. This 2-bedroom, 2-bath home has a warm, inviting feel with fresh interior paint and newer flooring throughout. The kitchen features a beautiful cast iron sink, and the home has been thoughtfully updated and well cared for. Step outside to enjoy a beautifully landscaped backyard with mature ficus trees, planter boxes and a spacious pergola perfect for entertaining or relaxing with friends. One of the best features is the location! Situated just a short distance from the Province community center, you'll have easy access to the pool, fitness center, clubhouse and all the activities and amenities that make Province such a special place to live.

20674 N Licorice Lane, Maricopa
$475,000
2 Beds ⋅ 2 Baths ⋅ 7070440 MLS ⋅ 1,423 SqFt.
Turnkey at no additional cost. Carefree, gated golf course community ideally located in Northeast Mesa. This exceptional offers desirable north/south exposure & showcases true pride of ownership. The beautifully maintained 2-bedroom, 2-bath home features a private courtyard entry w/ custom iron screen door. Inside, abundant natural light highlights the open, flowing floor plan. The chef-style kitchen is appointed w/ upgraded solid wood cabinetry, granite countertops & an oversized prep island, opening seamlessly to both an informal dining area and a formal dining room with elegant plant shelves. The spacious great room is anchored by a beautiful gas fireplace, creating a warm and inviting space for relaxing and entertaining.Thoughtful upgrades include engineered hardwood and tile flooring plantation shutters, designer light fixtures and ceiling fans and two toned interior paint throughout. The owner's suite offers a serene retreat , a walk-in closet, dual sinks, soaking jetted tub and a beautifully tiled walk-in shower. The guest suite is generous in size and adjacent to a full bath featuring a fully tiled shower. The interior laundry room includes a washer and dryer with cabinets. The extended-length two-car garage features epoxy flooring for a polished look. Step outside to your private backyard oasis with a covered patio, extended paver area, gas fireball pots and lush landscaping ideal for outdoor dining and relaxation. Enjoy resort-style living with access to Painted Mountain Golf Course, clubhouse, heated pool & spa, fitness center, and more! Conveniently located near shopping, dining and freeway access. This home truly embodies the luxury lock-and-leave lifestyle you've been waiting for. Tuscany Villas residents enjoy an exceptional array of community amenities, including a luxurious clubhouse, sparkling pools and spa, state-of-the-art fitness center, pickleball courts, billiards, beautifully landscaped parks, playgrounds and scenic walking paths all designed to promote an active, social and vibrant lifestyle.

6202 E Mckellips Road Unit 9, Mesa
$475,000
3 Beds ⋅ 3 Baths ⋅ 7070361 MLS ⋅ 2,051 SqFt.
Come home to a vibrant Gilbert lifestyle in this inviting 3-story townhome, where granite finishes and flexible living spaces set the stage for everyday comfort and effortless entertaining. Start your mornings with coffee nearby, spend evenings exploring local dining, and enjoy the convenience of shops and entertainment just moments from your door.

2790 S Alpine Drive, Gilbert
$305,000
2 Beds ⋅ 2 Baths ⋅ 7070245 MLS ⋅ 991 SqFt.
Beautifully updated and move-in ready, this refreshed condo welcomes you with a bright, open feel from the moment you step inside. The living room has been thoughtfully reconfigured by removing the corner niche, creating a more spacious and versatile layout ideal for relaxing, entertaining, or creating a dedicated workspace. The open-concept kitchen shines with crisp white cabinetry, recessed lighting, and stunning new quartz countertops, offering both style and functionality. Fresh interior paint throughout and updated flooring in the bedrooms provide a clean, modern aesthetic, making this home truly turnkey. Thoughtfully refreshed with today's buyer in mind, this inviting residence is ready for you to move in and make it your own

1351 N Pleasant Drive Unit 2049, Chandler
$325,000
3 Beds ⋅ 2 Baths ⋅ 7070094 MLS ⋅ 1,724 SqFt.
This home qualifies for Community Lending Program (CLP) with $7,500 to be used for buyers down payment, closing costs, & prepaids. Welcome home to this beautifully remodeled 3-bedroom, 2-bath end-unit townhouse offering 1,724 sq. ft. of comfortable, low-maintenance living in an established Mesa community. This move-in-ready home has been thoughtfully updated from top to bottom. The completely remodeled kitchen features new cabinetry, granite countertops, smart appliances, and smart lighting, creating a fresh, modern space for cooking and entertaining. Both bathrooms have also been beautifully updated, while luxury vinyl flooring throughout the home is waterproof, scratch-resistant, and pet-friendly--combining style with everyday durability. The home also offers plenty of functional and flexible living space, including a good-sized laundry room and enclosed back patio--perfect for relaxing and extra storage. Major improvements go beyond the finishes. The HVAC system is only four years old, and all sewer lines within the home were replaced two years ago, providing added peace of mind for the next owner. As an end unit, the home enjoys a desirable location within the community, conveniently situated near the pool. The HOA provides extensive exterior maintenance and services, including roof repair and replacement, exterior building surfaces and painting, common-area landscaping, covered parking areas, exterior pest control, and water. Enjoy the convenience of being close to Downtown Mesa, public transportation, bus service, and light rail, with easy access to shopping, dining, entertainment, and everything the East Valley has to offer. With a complete interior remodel, newer HVAC, recently replaced sewer lines, extensive HOA-maintained exterior features, and a prime end-unit location near the community pool, this home offers an exceptional combination of comfort, convenience, and low-maintenance living. Owner holds an AZ real estate license.

560 N Hobson Plaza, Mesa
$333,000
3 Beds ⋅ 2 Baths ⋅ 7070024 MLS ⋅ 1,510 SqFt.
Spacious, well-kept townhome in a convenient Tempe location with a community pool, clubhouse, mature greenbelts and grassy common areas. Fresh paint and carpet in the living room, dining area and all three bedrooms. Kitchen and second dining area have laminate flooring; bathrooms and laundry are tile. Remodeled kitchen features updated appliances, countertops, sink, faucet and refinished cabinets. Baths have updated sinks. AC replaced in 2024 and roof replaced in 2026. Private patio with shed storage and three assigned parking spaces, two covered. HOA covers exterior maintenance, water, sewer and trash. Easy access to US 60, Loop 101 and I-10.

1505 E Southern Avenue, Tempe
$375,000
2 Beds ⋅ 2 Baths ⋅ 7070000 MLS ⋅ 1,426 SqFt.
Spacious, bright and beautifully updated, this single-level townhome blends style, comfort and easy living. Enjoy thoughtful updates, including beautiful wood-look flooring throughout, recessed lighting, updated fixtures and ceiling fans, dual-pane Andersen windows, and a crisp white kitchen with granite countertops and stainless steel appliances. Additional highlights include a newer roof and a 2-car garage offering secure parking, valuable storage, plus the rare convenience of community RV/boat parking. The beautifully redesigned backyard is a showstopper, featuring stylish pavers, artificial turf and a view fence overlooking the lush community greenbelt, an inviting backdrop for morning coffee, outdoor dining or entertaining. Outdoor living shines with both front and back patios, offering multiple spaces to relax and enjoy Arizona living. Pepperwood offers a charming neighborhood setting with refreshing pools and spa amenities and low monthly HOA fees. Ideally located near Kiwanis Park, Arizona Mills, South Mountain, golf, shopping and dining, with convenient access to ASU, Sky Harbor International Airport and the US-60, I-10 and Loop 101. Beautifully maintained, thoughtfully updated and ready to enjoy. This is easy Tempe living at its best!

5323 S Mitchell Drive, Tempe
$255,000
2 Beds ⋅ 3 Baths ⋅ 7069996 MLS ⋅ 1,109 SqFt.
Move-in ready and ideally located, this 2-bed, 2.5-bath townhome offers comfortable living in a desirable gated Mesa community! Perfect for first-time buyers or anyone seeking a low-maintenance lifestyle, this home features tile flooring on the first level, beautiful hardwood flooring upstairs, and tall ceilings. The kitchen flows seamlessly into the living room, making everyday living and entertaining a breeze. Step outside to your private patio, which opens to a peaceful greenbelt. Additional highlights include assigned parking, a community pool, and an A/C unit replaced in 2022. The HOA includes water and trash for added convenience. Enjoy an excellent location near the Mesa Arts District, light rail, dining, shopping, and everyday amenities!

455 S Mesa Drive Unit 149, Mesa
$359,000
4 Beds ⋅ 3 Baths ⋅ 7069840 MLS ⋅ 2,622 SqFt.
This spacious home offers over 2,600 square feet of living space, including a BASEMENT! The cool basement features a large great room, two bedrooms, a full bathroom, Den/Office & laundry room. While the Primary suite, guest bedroom, living room and kitchen all reside on the main level. The granite countertops throughout add a timeless, upgraded touch to the home. Enjoy the privacy of the enclosed patio and the convenience of the two car garage with its valuable storage. Three Fountains community offers fantastic amenities including a multi-use sports court, playground, and pool. The HOA dues cover water, sewer, & exterior maintenance creating a low-maintenance living experience. With two generous living spaces, versatile rooms, & desirable community amenities, this home offers an exceptional combination of ample sq/ft, functionality, and convenience.

1550 N Stapley Drive Unit 125, Mesa
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