There are several important documents that you should obtain and keep after the closing process is completed. Store them in a safe, accessible location along with the survey used at closing. If you decide to refinance or purchase a new home, you’ll need these documents to speed up the transaction.
Title Policy
You should receive your Owner’s Title Policy within 90 days after your closing date. If you don’t receive it within 90 days, please contact your title company as soon as possible. Your policy is in effect for as long as you own your home.
Original Deed
After closing, the county clerk’s office should forward the original deed to you. If for some reason you do not receive the deed, please call the office located in the county where your property is located.
Appraisal Report
Your lender should give you a copy of your appraisal report. If you didn’t receive one, please contact them immediately, as these reports are usually only kept on file for around 90 days.
Home Warranty Information
Make sure to keep the following information handy: The name of your home warranty provider, their contact information including phone number, and your confirmation number. Keep any other important information regarding your home warranty.
Loan Payment Information
Your first payment letter should be provided to you at closing. If, within 30 days, you haven’t received your coupon book or necessary information regarding making your monthly payments, please call your mortgage company.
Homestead Exemptions
To obtain information or apply for a homestead exemption, you’ll need to contact your appraisal district directly. For your convenience, most of the applications can be downloaded and filed online.
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