房屋交割

Don't worry, I'll walk you through everything. The whole process usually takes about an hour. I'll explain each document before you sign it. Did you bring your photo ID and the cashier's check?

First is the closing disclosure, which shows all the final numbers — your loan amount, interest rate, monthly payment, and all closing costs. Take a moment to review the figures and make sure they match what you were quoted.

Once everything is signed, we'll record the deed with the county. That officially transfers ownership to you. You'll receive the keys today, and your copies of all documents will be mailed to you within a week. Congratulations — you're a homeowner!

Good catch. Let me look into that. It appears there's an additional title search fee that wasn't on your original estimate. I'll contact the lender to clarify. You have the right to question any charges that don't match.

You can, but keep in mind that delaying could affect your rate lock and potentially incur additional fees. Let me see if we can resolve this right now — sometimes it's just a simple clerical error that we can correct on the spot.

I just spoke with the lender and it was indeed a duplicate charge. They've corrected it and the new total matches your original estimate. I'll print a revised closing disclosure for you to review and sign.