r/MortgageBrokerRates

Title: Closing on my first home tomorrow without a realtor — what documents should I leave with?

I’m closing on my first home tomorrow (new construction) and I’m not using a realtor, so I want to make sure I know what to expect at the closing table.
My mortgage and closing funds are already set, and I’ve reviewed the Closing Disclosure/settlement statement. I’m mainly wondering what documents I should physically or electronically receive after signing.
For those who have recently closed:
What documents should I expect to leave closing with?
Should I receive a copy of every document I sign?
Will I receive a copy of the signed deed, or does that come later after it is recorded?
Is there a particular document that confirms the home is officially mine?
Anything else I should make sure I receive or verify before leaving?
Since I don’t have a realtor representing me, I’d appreciate any advice on things I should specifically watch for at closing.
Thanks!

Hi everyone, I am in the process of buying a home and I want to know what’s the best option to get the loan, an online lender or a private one? I have an excellent credit score and a good income W2 ..

Does anybody work with them before?they reached out to me for refinance..Can I trust them?

Me and my boyfriend both own the house and he has come into some of his inheritance (£43,000). Our relationship hasn’t been great for a while but he told me he would like to buy me out meaning I’ll lose the house to him which I don’t want. I can afford the mortgage on my own but I don’t think I could afford to buy him out, whereas he can as he will have all that money.

What would likely the outcome be and how much in total would it cost him to take me to court to evict me from our home, is it even possible he can even do that?

I really hope the court forces a sale on the house to make it fair for both of us.

I’m getting really stressed at the thought of this.

Any advice is greatly appreciated!

Thanks for reading.

Buenas, no me refiero a pedirla y ya, me refiero a hacerlo bien, que no te timen, que preguntarle al del banco para que quede todo claro. He visto algunos videos y lo único que salen son videos de como hacer que te den el 100% de la hipoteca pero no que cosas saber a la hora de pedirla. Espero haberme explicado bien y que me puedan ayudar, muchas gracias.

https://preview.redd.it/utmkcgjq2hkh1.png?width=967&format=png&auto=webp&s=48f5d43cdd1ac198a13c1f93d733491447f92d83

https://preview.redd.it/a7rucp3v2hkh1.png?width=930&format=png&auto=webp&s=f009d7b62e937a8737a449f5c43af82f2c78a602

1. I feel the underwriting fee is very high for this bank. The 3rd party processing fee is also very high. Is this within the normal range?

2. The broker fee is high shown there. But the lender credit was originally 900$, it changed to 9471$ to compensate this high broker fee. Is this a strategy from the broker?

Good morning, I am in the process of buying house,approaching closing soon. My lender is ready to lock in 6.25 rate for me today, should I accept it or wait more in hope to see the rates go low? I am the first time home buyer and this rate is ifor FHA loan! Thanks

I recently went under contract with Lennar on a new build in Colorado. They are offering me a rate of 4.75% Conventional, with only 10% down. Is this rate good for Lennar? I know compared to today’s rates it is great but I also heard Lennar can offer even lower rates. This is the lowest they said they can do with our down payment. Any one else go under contract with Lennar on a new build and have had good luck getting lower rates with conventional?