Below are a few suggestions of items you can do ahead of time to ensure a successful closing:

• Work with your Loan Originator to ensure your provide any additional information and/or documentation required to satisfy any underwriting or closing conditions specified by the Underwriter at the time of your loan approval.
• Once the Closing Agent has been selected, contact the Closing Agent for required information and expectations of closing.
• Obtain homeowner's insurance. This required insurance protects you against loss or damage due to theft, fire, or certain weather-related hazards. In some areas, it may also be necessary to obtain flood insurance.
• Ask your Loan Originator to review the final estimates of your closing costs with you at least 24 hours prior to closing.

At the closing, you'll receive and review some very important documents.
Here are some documents you'll receive or review at your closing:
HUD-1 Final Settlement Statement
This is an itemization of all funds and costs paid by the buyer and seller either at, or prior to, closing.
Truth-In-Lending (TIL) Disclosure
This document provides important information about your loan. It includes the APR, finance charge, amount financed, total of payments, and payment schedule.
Deed of Trust or Mortgage
This document states that Regions receives a lien on your property as security for your loan.
The Note
The note is your binding legal agreement to make payments according to the terms of your mortgage.

Whatever your home financing needs, Regions Mortgage is here to help you every step of the way. Please locate a Regions Mortgage Loan Originator or give us a call today at 1-877-536-3286 and we will be happy to assist you in selecting the right loan or answering any questions you may have.