Loan Document Signing FAQs

When do I sign loan documents? Generally, your escrow instructions will be mailed to you for completion and signature. Your escrow officer or real estate agent will contact you to make an appointment to sign your final loan papers. At this time, the escrow holder will also tell you the amount of money you will need — in addition to your loan funds — to purchase your new home. The lender will send your loan funds directly to the title company.

What do I bring to my loan document signing appointment? Obtain a cashier's check made payable to your escrow company or title company in the amount indicated by your escrow officer. You may also wire funds. A personal check will delay closing because the check must clear before funds are disbursed. You must also bring a valid state ID card, driver's license, or passport — these are needed by a Notary Public to verify your identity. Make sure you are aware of your lender's requirements and that you have satisfied them before you come to sign.

What's the next step after I've signed the loan documents? After you have signed all necessary instructions and documents, the escrow holder will return them to the lender for final review. This review usually occurs within a few days. After the review is completed, the lender is ready to fund your loan and informs the escrow holder.

When will I receive the deed? The original deed to your home will be mailed directly to you at your new home by the County Recorder's office. This service takes several weeks — sometimes longer depending on the County Recorder's work volume.

Team Goeglein at Fidelity National Title ensures a smooth signing experience on every transaction in the South Bay and Westside LA. Matt Goeglein and Xavier de la Piedra IV coordinate with lenders and escrow officers to make sure all documents are ready and the signing appointment goes smoothly.