Tom & Carolyn Smitherman

Office Phone: 336-961-3351|Fax: 336-961-3351
Tom's Mobile: 336-406-7243
NCREAL 113459 & GC/PU 29763
Email: Tom@smithermanrealty.com
Carolyn's Mobile: 336-406-4205
BIC NCREAL 113458
Email: Carolyn@smithermanrealty.com
Address: 1000 Bruce Rd., East Bend NC, 27018

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Keith Matthews

Keith Matthews
Auctioneer-Bid Caller
Office Phone: 336-699-8983
NCAL: 5346 NCAFL: 9672

Funding



Getting
Started


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Loan


Know The
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Applications
& Processing


Funding
 

The Signing

When the lender is ready to “close” your loan, or “fund” it, your real estate agent and your mortgage broker will have you sign the final loan documents. Signing will typically take place in front of a notary or an escrow officer. Ask your mortgage broker if there is anything you need to do to prepare for this, such as bringing a photo ID or perhaps a cashiers’ check if you are purchasing real estate. Allow yourself enough time to review the documents for accuracy.

If funds are being wired: “Wiring instructions” direct the electronic transfer of money between financial companies. If possible, arrange to have the wiring instructions in place ahead of time and checked for accuracy by both the sender and recipient of the wire. It is critical that these instructions be exact, and even so, delays are all too common.

Congratulations!

Your mortgage broker will probably call you to confirm that the money has been transferred and the loan has closed. Always follow up with a phone call to confirm that your loan funds went where they were supposed to go. It is a good idea to keep records of this critical phase of the transaction once completed.