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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

$289,900
2 Beds ⋅ 2 Baths ⋅ 7069516 MLS ⋅ 1,104 SqFt.
Charming two-story, 2-bedroom home in a fantastic North Tempe location! Enjoy easy access to ASU, Tempe Town Lake, Papago Park, Phoenix Zoo, Desert Botanical Garden, Mill Avenue, shopping, dining and nightlife. Convenient access to Loop 202 makes Downtown Phoenix, Sky Harbor Airport, Chase Field and PHX Arena just minutes away. Inside, enjoy granite countertops, tile flooring on the main level and wood-look laminate flooring upstairs. The two-story layout provides nice separation between living and bedroom spaces. A wonderful opportunity for low-maintenance living near some of Tempe and Phoenix's best recreation, entertainment and attractions. Contact to make appointment to tour property.

604 E Weber Drive Unit 16, Tempe
$465,000
3 Beds ⋅ 3 Baths ⋅ 7069430 MLS ⋅ 1,735 SqFt.
Welcome to this immaculate, updated beautiful home in Gilbert's highly sought-after Spectrum subdivision! From the moment you step inside, you will notice the tasteful, neutral design and beautiful tile flooring that flows seamlessly throughout the entire home.The heart of the home features a spectacular open floorplan where a light and bright kitchen opens directly into the spacious gathering area. Culinary enthusiasts will love the gorgeous quartz countertops, stainless steel appliances, and a massive walk-in pantry with abundant storage. Upstairs is an open loft for office or sitting area! Both the kitchen and bathrooms have been completely refreshed with modern, premium finishes.This property offers true peace of mind with quality post-tension construction, roof replaced in 2025, a 2019 HVAC system, a newer gas water heater, a soft water system, and a few new windows installed a few years ago. Outside, enjoy an ultra-low-maintenance backyard featuring new artificial turf. Because the HOA completely maintains the front yard, you will have plenty of free time to relax and take advantage of everything this vibrant community has to offer. The neighborhood features a sparkling community pool, tennis courts, multiple parks, open green spaces, and community ramadas.Perfectly situated near the absolute best of Gilbert, you are just minutes away from premier shopping, excellent dining, and convenient freeway access. Move-in ready and beautifully maintained, this exceptional home is just waiting for its lucky new buyer!

1393 E Joseph Way, Gilbert
$225,000
2 Beds ⋅ 1 Baths ⋅ 7069402 MLS ⋅ 918 SqFt.
Welcome to this clean and inviting 2-bedroom, 1-bath townhome tucked away toward the quiet rear of the community, just steps from convenient parking and the sparkling community pool. The home features fresh interior paint, new carpet, vinyl flooring, and modern finishes throughout. The kitchen is equipped with stainless steel appliances and opens to a spacious dining and family room, creating a comfortable layout for everyday living and entertaining. Upstairs, you'll find two well-sized bedrooms and a full bathroom with a tub/shower combination. The private patio offers plenty of space to relax and enjoy Arizona's beautiful weather and features low-maintenance artificial turf. The enclosed laundry and utility room is conveniently located off the patio. Ideally situated near major freeways, shopping, dining, Mesa Community College, Banner Desert Medical Center, and more, this townhome offers a great combination of comfort, convenience, and low-maintenance living.

948 S Alma School Road Unit 154, Mesa
$235,000
2 Beds ⋅ 2 Baths ⋅ 7069400 MLS ⋅ 900 SqFt.
Pride of ownership shines in this turn-key, single-story townhome! Move-in ready with new cabinetry, countertops, and appliances, paint throughout plus new flooring and fresh baseboards throughout. This 2-bed, 2-bath end unit offers inside laundry, private storage, and 2 assigned parking spaces. Minutes to Downtown Mesa, ASU, dining, light rail, and easy highway access!

141 N Date Street Unit 20, Mesa
$280,000
2 Beds ⋅ 2 Baths ⋅ 7069391 MLS ⋅ 831 SqFt.
Ready to love where you live? This move-in-ready dual-suite condo checks all the boxes! Enjoy wood-look tile, plush carpet, neutral paint & modern fixtures throughout. The refreshed kitchen shines with new white shaker cabinetry, quartz counters & stainless-steel appliances. Both bathrooms feature new vanities & toilets for a fresh, modern feel. Relax poolside or unwind in the community spa, with water, sewer, trash & exterior maintenance covered by the HOA. Plus, a 1-car carport and a prime location just minutes from Downtown Chandler make this one a must-see!

25 N Cottonwood Street Unit 63, Chandler
$420,000
2 Beds ⋅ 3 Baths ⋅ 7069302 MLS ⋅ 1,476 SqFt.
Welcome to The Lakes at Annecy, a gated lake community offering resort-style living just minutes from every day conveniences. Built in 2021 and beautifully maintained over the years, this 2-bedroom, 2.5 bathroom townhouse blends modern design with easy, everyday comfort across three thoughtfully laid-out levels. Recent updates, including a water softener (2023), add to the ease of everyday living. The first level welcomes you home with a private front patio and access to the 2-car tandem garage, complete with epoxy flooring. Upstairs on the second level, an open living space is anchored by a modern kitchen featuring white shaker cabinetry, stainless steel appliances, a breakfast bar, a spacious island, and a gorgeous tile backsplash, plus a balcony for a breath of fresh air. The third level is home to the primary bedroom and guest suite/home office, each offering their own private retreat. The primary suite features an en-suite bathroom with dual vanities, a newly updated tile shower (January 2026), and a spacious closet, while the guest suite, complete with its own en-suite bathroom, flexes beautifully as a home office, guest quarters, or bonus space. Third-level laundry adds everyday convenience. Beyond your home, this gated community offers a sparkling pool and spa, biking and walking paths, and a children's playground, all set within a picturesque lake community. Conveniently located near shopping, dining, and medical offices, with quick access to Loop 202 south for an easy commute to the rest of the Valley!

1676 E Hampton Lane, Gilbert
$490,000
3 Beds ⋅ 2 Baths ⋅ 7069295 MLS ⋅ 1,611 SqFt.
Step into easy, elevated living at Mosaic at Layton Lakes. This GATED 3-bedroom, 2-bath residence offers a 2-car garage, a beautifully finished interior, and an ideal Gilbert location. The two-story layout is designed with both comfort and entertaining in mind, featuring an open main living area, stylish finishes, and abundant natural flow throughout. At the heart of the home, the kitchen combines function and style with quartz countertops, 42-inch cabinetry, stainless steel appliances, a large center island, and plenty of storage. The luxury vinyl plank flooring gives the home a fresh, modern feel. Upstairs, the spacious primary retreat includes a walk-in closet, dual vanities, and a walk-in shower. Life here is designed to be convenient. The HOA includes water, gas, and trash, while the community offers an impressive lineup of amenities including a resort-style pool and spa, splash pads, playgrounds, tennis courts, and miles of walking and biking paths. Layton Lakes also provides an abundance of green space, neighborhood parks, lakes, trails, basketball court, sand volleyball, baseball field, and other recreational areas to enjoy. With shopping, restaurants, entertainment, and top-rated schools close by, the location is hard to beat. Carefully maintained and truly move-in ready, this home offers a low-maintenance lifestyle with the polished look of a newer property. Whether you're looking for your first home, a lock-and-leave property, or a smart investment, this one deserves a closer look.

733 E Lark Street Unit 202, Gilbert
$424,500
2 Beds ⋅ 3 Baths ⋅ 7069256 MLS ⋅ 1,297 SqFt.
Don't miss this beautifully updated, move-in-ready home in a DESIRABLE gated Chandler community! Step inside to a bright, OPEN floorplan filled w/ natural light. NEW custom shutters offer style & flexibility, allowing the upper third to remain open for light while the lower portion stays closed for privacy. The kitchen offers PLENTY of storage, SS appliances, soft water system & walk-in pantry. Upstairs, a VERSATILE loft is perfect for a home office or lounge, along w/ two SPACIOUS bedrooms. The primary suite features a BEAUTIFULLY updated bath & walk-in closet. Outside, enjoy a LARGE patio overlooking a greenbelt, recently re-packed & coated for a refreshed finish & shaded much of the afternoon. The 2-CAR GARAGE features NEW epoxy flooring & AMPLE overhead storage. HVAC installed 2022 & the roof is maintained by the HOA. For the ultimate move-in-ready experience, this home offers the rare opportunity to be purchased FULLY FURNISHED! Beautifully maintained, thoughtfully updated, and ready to enjoy from day one - this Chandler home is ready to welcome its next owner.

4100 S Pinelake Way Unit 104, Chandler
$435,000
2 Beds ⋅ 2 Baths ⋅ 7069236 MLS ⋅ 1,633 SqFt.
Welcome to this impeccably maintained, upgraded villa located in the highly desirable, gated golf community of Tuscany Villas at Painted Mountain Golf Resort. Villa is an end unit featuring an oversized, south-facing backyard & a private, gated courtyard entry. Inside, an open floor plan awaits, showcasing a gourmet kitchen with granite countertops, a generous island, modern chalk appliances & custom cabinetry with pull-out drawers. Both an informal dining area & a formal dining room provide versatile spaces for hosting. The spacious great room, accented by large windows and elegant tile flooring, offers abundant natural light. The master retreat boasts a walk-in closet, a luxurious soaking tub, and a walk-in shower, while the second bedroom is private with full bathroom. This home features its own private driveway and an extended two-car garage complete with built-in cabinetry for added storage. The backyard is beautifully landscaped, offering a peaceful setting for relaxation or entertaining. Enjoy added comfort with an electric retractable awning for sun protection and an extended patio perfect for outdoor living. The HOA provides additional amenities for a worry-free lifestyle.Tuscany Villas offers residents exclusive access to a luxurious clubhouse and a variety of exceptional amenities designed for leisure and recreation. Enjoy refreshing dips in the pools, unwind at the spa, or maintain an active lifestyle in the state-of-the-art fitness center. Engage in friendly competition on the pickleball courts or challenge friends to a game of pool. The community also features beautifully landscaped parks and playgrounds, inviting gathering spaces, and scenic walking paths, ensuring a vibrant and active lifestyle for all residents.

6202 E Mckellips Road Unit 189, Mesa
$355,000
3 Beds ⋅ 3 Baths ⋅ 7069181 MLS ⋅ 1,535 SqFt.
Welcome to Breckenridge, one of Gilbert's most charming and well maintained communities nestled just minutes from the heart of a rapidly growing downtown. This beautifully updated 1,535 square feet corner unit home with 3 bedrooms and 3 bathrooms blends modern upgrades with timeless character, creating a warm and inviting space that feels both fresh and classic. Featuring vaulted ceilings, brand new appliances, and thoughtful renovations throughout, this home is truly move-in ready for its next owners while still preserving a timeless charm that makes it so special. With downtown Gilbert continuing to thrive with new restaurants, shops, and entertainment, the location could not be more ideal. Come and see it for yourself!

170 E Guadalupe Road Unit 136, Gilbert
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