Is there any way I can see copies of the documents I will be signing at the closing beforehand?
Yes. Your lender will send you a Closing Disclosure.
By law, you must receive your Closing Disclosure at least three business days before your closing. You can call your lender prior to closing on your mortgage and request copies of the other documents you will be signing.
The CFPB has resources to help you review your closing documents:
- Our interactive guide to the Closing Disclosure helps you double-check the details and get definitions for unfamiliar terms.
- Our helps you spot what to look for in your promissory note, mortgage (security instrument), initial escrow disclosure, and right to cancel.
- Our helps you know what to expect at closing and what questions to ask.
Note: You won’t receive a Loan Estimate or Closing Disclosure if you applied for a mortgage prior to October 3, 2015, or if you're applying for a reverse mortgage. For those loans, you will receive two forms – a Good Faith Estimate (GFE) and an initial Truth-in-Lending disclosure – instead of a Loan Estimate. Instead of a Closing Disclosure, you will receive a final Truth in Lending disclosure and a HUD -1 Settlement Statement. You may request to see a copy of your HUD-1 at least one business day before closing. If you are applying for a HELOC, a manufactured housing loan that is not secured by real estate, or a loan through certain types of homebuyer assistance programs, you will not receive a GFE or a Loan Estimate, but you should receive a Truth-in-Lending disclosure.
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