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What is the most important thing for me to do when I get my closing papers?

Carefully review all documents that you receive before the closing to make sure that all the terms match what you are expecting and that you understand what you are going to be asked to sign. 

The CFPB has resources to help you review your documents and prepare for closing:

Our interactive guide to the Closing Disclosure helps you double-check the details and get definitions for unfamiliar terms.

Our guide to closing forms helps you navigate the rest of your closing documents.

Our closing checklist helps you know what to expect at closing and suggests 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. 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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