What Happens On Closing Day?

[@thewildandwonderfulwizard]

9 months later....and I close tomorrow morning on my first home. Breath in. Breath out.

[@WinTheHouseYouLove]

Incredible!! Congrats!

[@scott_clarke]

The anxiety 10 days before closing is real. This put me at ease

[@darlyyulie09]

✨I love to feel everyone’s happiness through these comments!! I will also be closing on my first home in a few weeks 🙏🥰 Everyone has different paths in life , different struggles, different experiences ! What ever it took for you to get to this point was all worth it ! Congratulations everyone!! Keep working hard on your dreams ! Everything in life is possible ! And If you haven’t made it to this point but wish to do so, don’t worry ! Your time will come ! ✨sending good vibes to everyone ❤️

[@WinTheHouseYouLove]

This is awesome! Congratulations! Let's hope everyone on this channel will have their home too very soon. Congratulations! :)

[@moniquejohnson4264]

Thank you and congrats! Well said!

[@Tabsimone]

Closing on my first house this afternoon I’m so excited!

[@WinTheHouseYouLove]

Congrats!

[@mrs.demetrialewis2730]

We close on our home March 29 one more week 2 go❤❤❤

[@gertrudeagbesi3518]

We are closing on our dream house this Friday! It’s been a long road to get to this day, my hubby is amped up but I’m overwhelmed with the move so can’t get excited! I might just be flooded with emotions after closing! Your videos have been so helpful from the very beginning and very informative. Thank you for getting us through the house buying process!

[@WinTheHouseYouLove]

That is awesome!

[@MaryamAnana]

I understand this feeling! That’s what I’m experiencing right now. I think when it’s all said and done I’ll probably cry with over joy 😅😂

[@bently629]

We close on our home next month and we are super stoked ! We can’t wait to finally be homeowners. It’s been a long time coming and such a loooong journey 🎉

[@WinTheHouseYouLove]

I just recorded a personal video reply for you: vid.us/5iaudj

[@zchubbuck]

Closing tomorrow on my first home after 40 long days, so excited!

[@WinTheHouseYouLove]

Congrats!!

[@joijoi617]

6:09 😂Make sure you’re comfortable with everything, double check.

[@WinTheHouseYouLove]

Always double check :)

[@robbywilson6729]

2 more days. Close on Tuesday morning at the title company.

[@WinTheHouseYouLove]

Exciting!! Congrats!

[@jimbosmith6327]

Great videos and very good audio! My fiancee and I are closing in a few days on our first house. Very anxious to get started on all my checklists and get all the repairs done.

[@WinTheHouseYouLove]

Thanks! It can be nerve-racking for sure. Hang in there, you'll right at the finish line!

[@chajaso]

Best home buying process channel hands down! Thanks for sharing your knowledge 😎

[@WinTheHouseYouLove]

Wow, thanks!

[@hithere1525]

My husband & I have been fortunate enough to have inherited our great-granddaughter at birth . Her mother, our granddaughter was soon to be struck on a drug benge. so it was not too long she disappeared so then we went to court and took guardianship. We love her as our own & will take care of her forever. We are both retired and living on limitted funds but will always take care of her & her needs. She is now 5 & 1/2 . She will start kindergarten August 19th.

[@noy6184]

i have been watching your video for many years. i am about to close my first home tomorrow after many years of waiting, i am so excited and nervious at the same time, the interest rate is the highest i have seen but i will mean so much for my family to get this home. thank you so much for your video

[@WinTheHouseYouLove]

Thank you and congratulations!! If you wouldn't mind, please leave a review about the channel here: g.page/r/CT-jVkJFOsxFEAg/review

[@noy6184]

Absolutely @@WinTheHouseYouLove

[@almeidamarkoliver]

I’m closing on my first home for my parents tomorrow!! :) super excited

[@WinTheHouseYouLove]

Awesome!! Congrats!

[@_Renee2]

I am finally at this phase, and I cannot wait to put this process behind me.

[@WinTheHouseYouLove]

Best of luck!

[@thewhatsupdude]

Ah... it's very refreshing to see that, despite all our differences, we are all incredibly similar in most ways. We all want to put a rood over our heads, fear being stuck in an unhealthy long term commitment, and per the closing of a house, my biggest fear would be getting gassy or something at the table. That would be just my luck.

[@TetraSamurai]

Close on mine today. It’s a rare situation. Negotiated the sellers to bring it from 200k to 175k. Appraised for 181. First time home buyer grant paying closing costs. USDA guaranteed loan so no down payment. Insurance is 50 a month even though roof is 25 years old. The only thing I had to pay was for a 3rd party inspection which was my choice to get one, and smoke alarms and carbon monoxide alarms because the appraiser said we needed them. I’m actually getting a 900 dollar check back at closing which was for my EMD anyways

[@WinTheHouseYouLove]

Congratulations on closing on your new home! It sounds like you got a great deal negotiating the price down and receiving a first time home buyer grant to cover closing costs. It's also great to hear that you were able to secure a USDA guaranteed loan and don't have to worry about a down payment. I'm glad the insurance is reasonably priced despite the older roof, and it's always a good idea to get a 3rd party inspection for peace of mind. Enjoy your new home!

[@cesarcastro39]

I closing my first house in 2 days. very happy

[@WinTheHouseYouLove]

Congrats!!!

[@edgararcega3046]

The lender and a realtor I am currently going through are telling me that I can do this all remotely. I am currently buying a home in Arizona and I live in california. They said that they can have a person come over to my current address and notarize everything for me then he goes back with the documents. Have you ever heard of such thing happen? Just seems odd how they allow people to buy homes from out of state like this

[@m.rivera1467]

Me and my boyfriend are closing on our first house this Thursday, we're so excited 😊

[@WinTheHouseYouLove]

Congratulations on closing on your first home this week! Buying that first house is such an exciting milestone!

[@cantkeepmedown100]

I closed in late January, the happiest day for me in I don’t know how long, it’s the icing on the cake of the whole entire experience.

[@tophm2634]

Closing on the 29th. Thank you Kyle for all your videos! Very helpful

[@WinTheHouseYouLove]

That's awesome! Congratulations!

[@youngvillen]

Closing Thursday on my deal

[@pacmandagreat07]

Closing tomorrow finally after all the covid setbacks

[@WinTheHouseYouLove]

Congratulations! Best of luck!

[@1982NitaJCares]

Amen to that so happy for you all👍we suppose to be closing this Friday July 16 hopes

[@gorgeousgirl6373]

I close on my house in weeks and am very excited and nervous. What could go wrong?

[@NightSociety]

Is meeting in person still necessary for buyer/seller? with DocuSign, electronic deposits/payments, keys lockbox, etc..

[@ceciliam8697]

Your kidding 😭 I specifically told my agent I have no money for closing and that I need that worked into the loan some how. I also already gave escrow the deposit of $3k I’m so lost. This our first time buying a home and it seems so scary I just wanna quite. In every step y’all say “don’t stress” it’s the most annoying thing y’all can say when we have a bunch of other things going on. We’re supposed to close in 15 days apparently if everything goes smoothly. The bank part is still being seen by the underwriter but on the other side we already had an appraisal done and an inspection on the home and now where on the part of walking the home we already called solar to transfer ownership same with other stuff. I’m fully stressed out 😂😭 I hate this I wish I was rich and had an 800 credit score. Also I just found out that the underwriter can still deny the loan like wtf so why are we so ahead. What happens if the underwriter does deny the loan do we get our $3k back or are we just shit out of luck 😢

[@katherinetanner9834]

so question: The buyer pays closing costs? The seller pays closing costs? Both pay different closing costs? The usual "realtor commission" is paid by seller I hear? Is this commission split between listing agent and buying agent? So seller pays the entire amount of commission of 6%?

[@WinTheHouseYouLove]

Yep, there are buyer and seller closing costs that are different. Realtor commission is usually paid by the seller and split by both agents.

[@katherinetanner9834]

@@WinTheHouseYouLove Thankssss for quick response. You are among the best. Very to the point and explicit. Very professional.

[@cdiarra]

I’m closing next week!! 🤞🏾🤞🏾🤞🏾

[@WinTheHouseYouLove]

Congrats!!

[@bluecube7247]

9 days... I had no idea what to do... thank you!

[@WinTheHouseYouLove]

Best of luck!

[@maliam6730]

How did it go?

[@dianaesmy]

We were supposed to close on monday the 3 but now they told us they will be extending it one more week. Its really stressing me out our lease ends this month and don't want to give another payment which will be a waste of money for only 10 days.

[@WinTheHouseYouLove]

That's super frustrating!

[@lbrown8040]

Thank you!! That day is quickly approaching ~ 🙌🏾🤗

[@WinTheHouseYouLove]

Yay! Congrats!

[@davidmacgown321]

If a bank wire transfer is initiated on a Friday, when would the funds appear in my account?

[@Mohit-uk6pm]

Hi Sir, Can you pls explain what's Coverage persentage in PMI

[@_robthe1]

I close on my first home on the 30th 😊

[@WinTheHouseYouLove]

Congratulations!

[@_robthe1]

@@WinTheHouseYouLove thank you

[@vandhanaaramesh2781]

We are closing in 6 days thank Kyle! Oct. 17

[@WinTheHouseYouLove]

Awesome! Congratulations! :)

[@noneofyourbusiness8180]

Question: realtor says keys will be given after confirmation of the transfer of ownership. When exactly does that happen and how long does that take? Thanks in advance

[@robbywilson6729]

Also, do these typically take place at the bank for the mortgage? Real Estate office?

[@WinTheHouseYouLove]

It's normally chosen by the buyer, so it can be anywhere :)

[@brodysstoryrescuehouse8205]

When you get your closing disclosure the day before closing 🤬

[@WinTheHouseYouLove]

Legally, you have to receive an initial Closing Disclosure 3 days before closing. Double-check with your lender that you received it.

[@brodysstoryrescuehouse8205]

@@WinTheHouseYouLove they gave us an estimate but we didn't get our final until today at noon. We close tomorrow at 9

[@iwonder5481]

Closing tomorrow!!!!!!!! :)

[@WinTheHouseYouLove]

Yay! Congrats!!

[@LupeV]

I’m 19 days from closing on my first home

[@CruzFamilia83]

Thank you 👊🤝

[@WinTheHouseYouLove]

You're welcome!

[@mangos2888]

I was hoping this video would say how long it takes to go through the closing - 30 minutes? 90 minutes? Otherwise this video was very helpful. Thanks!

[@WinTheHouseYouLove]

Thank you so much for watching!! :) Usually an hour

[@Lovecookies01]

11 days until Closing!!!

[@WinTheHouseYouLove]

Oooh so close!!!

[@larrabeejl]

Supposed to be closing this Friday still waiting on the underwriter 🤞

[@WinTheHouseYouLove]

Best of luck!

[@larrabeejl]

Well we didn't close it's been pushed back twice now but this Tuesday is the day🤞

[@brittanymorgan689]

What is wiring funds?

[@varunahluwalia657]

Thanks for providing the details. It helps. A question: is it normal for Seller to stay in the property when putting it for Sale? e.g. when we visit the property, the Seller's things are still there (as they are staying).

[@WinTheHouseYouLove]

Very common

[@varunahluwalia657]

@@WinTheHouseYouLove thanks

[@1982NitaJCares]

I suppose to be closing this Friday,,July 16 prayers if not next week

[@WinTheHouseYouLove]

🙏 Best of luck!

[@myeverydaylife5529]

Im closing July 2nd. Hopefully no more delays. 🤞🤞🤞

[@WinTheHouseYouLove]

Congrats! Best of luck!

[@myeverydaylife5529]

@@WinTheHouseYouLove thank you 😊

[@AbdielRojasgarcia]

Am so scare I don’t know if I wanna closed

[@WinTheHouseYouLove]

Definitely talk with your agent about your options

[@loganbrown6882]

When does the underwritten wanna see cash to close in your account.

[@NextGenerationHope]

After you are under contract and approved.

[@officialmarshe]

Is the closing disclosure the same as a loan commitment?

[@WinTheHouseYouLove]

The Closing Disclosure itemizes fees. The loan commitment shows your approval status with the lender.

[@eberthastros]

Excellent. Thanks a lot for this video

[@WinTheHouseYouLove]

Glad it was helpful!

[@sharanjeetsingh820]

I have an escrow date on march 9 and closing date on march 12. But loan processor said that they probably will send out the CD tomorrow or Monday. Is it kind of late ?

[@WinTheHouseYouLove]

That's not too late :)

[@ne19622003]

2024 is my time

[@LordOcelot]

Closing tomorrow! This is exciting!

[@WinTheHouseYouLove]

Congratulations! Best of luck!

[@ReeInvesting]

good stuff!

[@praveenalumalla4904]

Quick question, can we open new credit card after we get conditional approval and before closing date ? Will that have an impact on my loan process ?

[@WinTheHouseYouLove]

Noooooooooooooo Don't do it. Wait until after closing.

[@dafutureiznow32]

3 days...

[@WinTheHouseYouLove]

Best of luck!

[@dafutureiznow32]

@@WinTheHouseYouLove everything went smooth. Thanks for da vid

[@donor4053]

Not sure why but the video is blacked out.

[@WinTheHouseYouLove]

Hmmm... it's perfectly fine on my phone and even my PC.

[@donor4053]

@@WinTheHouseYouLove just checked again , seems fine now ! Sorry about that

[@peaceforall9106]

Great video......When do you get you title?

[@WinTheHouseYouLove]

At the time of closing

[@kaleyhobbs]

My wife and I are closing on our first home in 15 minutes!!! Eeeeek!

[@dionfrutos7997]

Does anyone know Kyle's email.

[@WinTheHouseYouLove]

[e-mail]

[@TotallyTonesfamily]

From boy next door to mr steal ur girl

[@WinTheHouseYouLove]

Haha

[@myemail2418]

I love you bro thanks for making this understandable and making me ease a little bit

[@WinTheHouseYouLove]

Best of luck! :)

[@Quentintheengineer]

Me and my husband are closing today 🙏🏿☺️

[@WinTheHouseYouLove]

Yay, congrats!!

[@ladymendize5080]

I'm closing Tuesday. I'm so excited 😁. Thank you Jesus amen

[@WinTheHouseYouLove]

Congrats!!

[@dgallego]

I close in my first home this Friday ! I am excited !

[@WinTheHouseYouLove]

Congrats!!! - Kyle Seagraves winthehouseyoulove.com

[@BabesbyJanea]

Congratulations!!

[@RashekaO]

Congratulations! I close this Monday. So excited.

[@mykesmyth8856]

Congratulations!!!! I close on Monday. So excited!!!

[@lovebug8482]

I close on Monday 11/23/20. Anyone else? Lol lookd like Mondays are popular!

[@aprilall-natural8422]

I close in 40mins I'm sitting outside the office nervous as shit. This really put me at ease.

[@432Tx]

Closing on a home on the 29th at the age of 21 God is great🙏🏼🙏🏼everything is there for us we just gotta go and get it hope yall have a great 2024🤘🏼

[@S7SGamerHD]

congrats man! Im 21 and throwing offers at houses, hopefully i close a house this year.

[@432Tx]

@@S7SGamerHD thank you brother! and that’s great bro you can do it keep grinding

[@moniquejohnson4264]

Congrats!

[@okashi10]

I'm closing on my first home this week! I'm so grateful for all of your videos for helping to guide me through this process! Everyone mentioned they were surprised by how prepared I was -- and that's mostly because of your videos! Especially your super in depth first time buyer guide. Thank you!

[@WinTheHouseYouLove]

Wonderful! I'm sure you are excited to move in. Congratulations! :)

[@Sumysilz]

Kyle! You taught me everything I know! We are closing!! We couldn't have done it without your incredible videos! And calming voice, videos that reminded us to enjoy the process amd breath! and actual replies to me! :) I have recommended your videos to friends who are ready to start the process because of you!

[@WinTheHouseYouLove]

Congratulations!!!!!!! That makes me so happy to hear! Very well done :) Enjoy your new home!

[@tylerdurden3618]

Damn it I should have found your channel earlier, our underwriting process just started. Being first time homebuyers it was so overwhelming, This is amazing, you make everything so clear. Thank you so much sir! You are a legend.

[@mpaulo6222]

My wife and I will be closing in exactly 30 days from now in San Antonio TX. We are praying everything goes smoothly. Thanks for the video.

[@monica_30]

Thank you and Javier Vidania for your collaboration videos 🥰🙂 We learned a lot in this hard market (summer 2021) Thanks to all your videos we are confident and made the best decisions and now we close on Tuesday 😁 Thank you so much.

[@horohorosrin]

My closing date is February 14th! Inspection is tomorrow, at the time of writing... so nervous, yet so excited for that. My rational brain says everything is probably going to be fine, but my anxiety brain is terrified of what happens if the inspection reveals something (or multiple somethings) horrible.

[@tgiardina08]

I'm two weeks away from closing! Thank you!

[@WinTheHouseYouLove]

Awesome, congrats!!!

[@tfran235]

This has been the longest walk of my life!!

[@WinTheHouseYouLove]

It's a tough journey sometimes! Hang in there, sounds like you're close to finished

[@tfran235]

@@WinTheHouseYouLove yes signed my closing disclosure 3 days ago now my lawyer waiting on funding before I officially close

[@tfran235]

Still waiting

[@tfran235]

Finally!!!

[@Rosalva24]

I’m closing on my first home end of July or beginning of August. I’m learning so much from your videos. Thank you!

[@WinTheHouseYouLove]

Awesome!

[@tiffanyjohnson6872]

I really appreciated this video! I’ve hear so many equally awesome and scary things about closing. This was a calm moment. Thanks

[@WinTheHouseYouLove]

Glad it was helpful!

[@TxHoneyBee]

I'm closing on my home in just under 24 hours. This channel helped me so much! Thank you, Kyle.

[@nancygutierrez6953]

Closing today on my first home. Was a stressful month but I made it. Your videos were super helpful so glad I found you. I also had a great team my agent and lender.

[@WinTheHouseYouLove]

Awesome! Congratulations! :)

[@losheroes6076]

What was stressful about it

[@adamscruz7967]

I just LOVE your videos...I like you to know you were instrumental in my personal experience! Thank you for that! Question:what are your thoughts about a HILOC to payoff the Morgage faster??

[@WinTheHouseYouLove]

Thanks! I've been hearing more and more about them recently, so I will add it to my video ideas list so we can weigh your options. Great suggestion!! :)

[@mercimerci7774]

Am 23 yrs old am closing my very first home after been here in the U.S. for last 10 yrs now. @$243k on 06/18/2021 @11am please wish me luck am so stressed and very anxious about this whole thing since February of this year. Sweet people of this greatest nation have given me every greatest opportunity, keep me in your prayers. 🙏🏾🙏🏾🙏🏾

[@MichaelMefford35]

Great video man. I just signed my closing disclosure friday. Am I at the end of getting my house?

[@WinTheHouseYouLove]

Awesome, super exciting! Sounds like you still need to have the closing where you sign final docs and then you'll be finished!

[@MichaelMefford35]

@@WinTheHouseYouLove Yeah, she told me today my loan is approved and I'm closing May 15

[@cdiarra]

Michael Mefford how are you enjoying your house? How was closing day?

[@MystikalWisdom]

we close on our first house, May 20th.. super excited

[@WinTheHouseYouLove]

Awesome! Congratulations! :)

[@sandragibson2221]

I close next Wednesday, this is my first house but not feeling that excited, this process has been long and stressful.

[@WinTheHouseYouLove]

Hang in there, you're close to the finish line!

[@ThaCampinSniperz]

23 years old just closed today on a condo!

[@mela7364]

My husband and I are closing on our first home in a week. It has been an overwhelming process, and I'm so nervous 😅. I don't think my excitement will officially set in until we have the keys in our hands. But my husband and I are definitely looking forward to starting this new chapter together. God is too good 🙏🏾 Thank you so much for this video! It really helps to know what to expect on the big day.

[@steveludwig4200]

Are you ready to sell the house yet?

[@jonathanansleymusic4992]

I’m closing on my first home this Friday!!! This video really helped calm my nerves!! 😄😱 Thank you!!!

[@WinTheHouseYouLove]

I'm so glad!

[@veteranasmr11B]

Been building our dream home for 9 months now…closing on Tuesday….spent a good amount of cash on upgrades on the house and it paid off our appraisal came in at 50k over our agreed purchase price 600k we paid 560 with closing rolled in on a VA loan…so exciting for my family and I

[@Diamond-bw7zr]

Closed yesterday!!!🎊 🎉🎉🎉 Woohoo lol. This process was the most stressful! Great info, thanks!

[@WinTheHouseYouLove]

Congratulations! 🥂

[@piyusjai]

We close today. During covid the experience was a little different. 2 Days ago we got a notary sent to our home who took our signatures and then we received sellers signed documents uploaded to us online. On the closing day we are just expecting a call that we can get our keys 🔑 once the records are updated at the county office! Never met anyone but our agent during the whole home buying process.

[@WinTheHouseYouLove]

Congrats on your new home!!

[@Brokid81]

I've been working toward closing on my home in Washington state, and closing on my new home in Montana. My loan for my new house is already in underwriting, and I'm set to sign my closing documents with a mobile notary on the 30th of this month (September - it's September 22nd today). And my buyer says he wants to close on the 1st of October. And he's saying that he wants us out by 9pm on that night. But that will leave us about 36 hours with no place to go. We wanted to physically leave Washington early in the morning on Saturday the 3rd. I know technically the new owner can legally tell us to be gone by 9pm on the first, but is there not a way to negotiate those 36 hours? Can we not pay him rent or something for that time? My agent says that he doesn't sound very receptive to the idea. So what are we supposed to do for those 36 hours? It's me, my wife, 3 dogs and my buddy who's driving over to Montana to help us. It's only 36 hours. It just seems kinda dumb that my buyer can't make an exception, or let us pay him rent or something. Is this a common issue you see?

[@WinTheHouseYouLove]

You can certainly negotiate occupancy. Normally, this is done at the very beginning so both parties can agree upfront. It's pretty common do pay rent prorated for a few days if the buyer is being a stickler about occupancy. Or throwing in an extra $500 - $1,000 credit to sway them for the extra time.

[@timhorton7190]

Im closing on my first home to buy nov 4th! Thanks for the tips that will help me and be at ease during the closing process :)

[@KingNidus]

Congrats. How are you liking it so far?

[@timhorton7190]

@@KingNidus not to bad , improving things to my new home I don't like that the former sellers did to it .

[@KingNidus]

@@timhorton7190 thats great itll be shaped more to you. my house that i close on in a few days was "inherited" and not lived in for a while. The gas company took their gas meter and now I will have to get the gas plumbing inspected and up to code before i can get it back lol hope its not pricy.

[@devildiamond68]

It's super stressful but exciting when you're happy with the property ☺️

[@WinTheHouseYouLove]

Absolutely! Thanks for watching. :)

[@Lannie74]

I really need your help! I closed on my house on October 26th and at closing my husband and I noticed that the $10k we put down for earnest money wasn’t on the page where they showed the deductions such as my down payment. My husband asked the lady at closing about the $10k earnest money deposit but her answer was so technical we still didn’t understand it. I have the papers here and it keeps bothering us because we just don’t understand why the earnest money wouldn’t be on the page where they show my down payment etc.. Also I thought I bought the house for $400k but at closing the cost was $416k. When we asked her about this she said something about all of the fees and after adding those it adds up to $416k. We just need someone to look over the paper and help us understand if we were scammed on our earnest money as well as total cost of home. I also have gotten sooooooo many closing disclosures that I’ve had to sign and even this week way after closing I got another closing document to sign (revised) I was shocked because I thought we were done!!!! . If you could please please help I’d be happy to send you some money via zelle or however you prefer but we need help!

[@WinTheHouseYouLove]

Please email me :) [e-mail]

[@tahirbinfazal5352]

is it compulsory to hire a title company for closing? Is it obligate to put your property on the list for selling?

[@jadebluhorizonz7129]

I close on my house today 🎉 thanks for the information 🎉❤😊