I just closed on Monday so this is pretty fresh in my mind. You'll sign one paper that essentially states that you are who you say you are. (I think Dr. Seuss could have had a field day with that one!) Most of them will be new copies of the disclosures you signed during your loan process. Let's see, here are some of the ones I had to sign: settlement statement, first payment notification, initial escrow account disclosure statement, a bunch of notices and notes dealing with FHA, a security deed, truth-in-lending disclosure statement, itemization of amount financed, a title insurance notice, property owner's affidavit, legal description of the property, miscellaneous documents for the lending company, privacy policy, addendums as needed, lead paint notification, HUD papers, certificate of authorization, three or four papers that states that if any mistakes were made in the signing of the papers no party would hold the others responsible and corrections could be made, Equal Credit Opp notice, prepayment info., attorney's statement, refinancing notice, termite notice, water notice, real estate tax authorization, appraisal disclosures, mailing address certification, fraud notices, occupancy statement, escrow notices, tax papers, property seller's affidavit, and more papers - like the loan app - from the earlier disclosures.
It sounds like a lot, but it actually was less than I thought. It was an interesting experience, and I have to say I rather enjoyed it. Very laid back. We did a lot of chit-chatting while papers were being signed.
Hope this helps.
SilverBerries
