What to Bring to Your Loan Closing

Certified Funds
At closing you will be required to have Certified Funds (a cashier's check). Your attorney with inform you of exactly whom to make the certified check payable to and for how much.

Homeowner's (Hazard) Insurance Policy
Bring to closing the original policy along with a paid receipt and/or the bill for the 1st year's premium. The minimum dwelling coverage must be for an amount equal to your new loan balance. An insurance binder WILL NOT be acceptable. For condominiums, hazard insurance is not required. However, Florida condominiums require a "Contents" policy.

Termite Inspection Report for FHA Loans
A termite inspection report dated within 30 days prior to your loan closing will be required for FHA loans. The report must state that the property is free and clear of infestation from all wood destroying insects. (The responsibility of ordering and supplying this inspection report depends upon the state in which your property is located. Please check with your real estate agent or HomeBanc Loan Officer for details.)

Picture I.D.
Please bring picture identification to the closing; i.e. driver's license, passport, resident alien card, etc.

Your Check Book
Please make sure you have enough checks in the book.