How It Works
Buying a Home Involves a Lot of Moving Pieces
Between your lender, real estate agent, title company, home inspector, appraiser, and insurance agent, there are a lot of people involved in your home purchase — and a lot of steps that need to happen in the right order. Our free checklist tool puts everything in one place so you can see what's been done, what's next, and what you need to act on.
Your Closing Journey
Our closing checklist is a generic list that is industry standard.
Your situation might be different with a step or two added or removed.
But it will still be a good checklist for you to make sure all the major items are taken care of in time.
When you sign up, you'll be able to check-off when each item and stage is completed.
- ☐ - Meet with your loan officer and complete the formal mortgage application
- ☐ - Provide your Social Security number, current address, employment info, and income details
- ☐ - Review and sign your initial disclosures, including the Loan Estimate
- ☐ - Confirm which loan program you're applying for with your loan officer
☐ - Submit your last two pay stubs
☐ - Submit your last two years of W-2s and/or tax returns
☐ - Submit your last two months of bank statements — all pages, all accounts
☐ - Provide any additional income documentation (bonuses, rental income, retirement, etc.)
☐ - Sign authorization forms for employment and asset verification
☐ - Start shopping for homeowners insurance — you'll need proof of coverage before your file can move forward
- ☐ - Respond to any requests from your loan officer or processor immediately — delays here delay your closing
- ☐ - Provide any additional documents the underwriter requests (letters of explanation, updated statements, etc.)
- ☐ - Secure your homeowners insurance policy and provide proof of coverage with your lender listed as mortgagee — this is a required closing condition
- ☐ - Do NOT open new credit accounts, make large purchases, or change jobs during this period
- ☐ - Receive and carefully review your Closing Disclosure (CD) — you'll get this at least 3 days before closing
- ☐ - Compare it to your original Loan Estimate — the numbers should be close
- ☐ - Flag any discrepancies with your loan officer immediately
- ☐ - Confirm your closing date, time, and location with your title company
- ☐ - Arrange certified funds (cashier's check or wire transfer) for your down payment and closing costs — your CD will show the exact amount
- ☐ - Bring a valid government-issued photo ID to closing
- ☐ - Review and sign all closing documents
- ☐ - Receive your keys — you're a homeowner
Built by Local Insurance Experts
This tool is built and maintained by Suderman-Nielsen Insurance, a local Allstate agency in Boise, Idaho. We work with homebuyers every day and saw how often closing delays happen because of missed steps — especially around homeowners insurance. So we built a free tool to help borrowers stay organized and close on time. When you reach the insurance step, we're here to help you get covered quickly and affordably.
We won't spam you
We will contact you twice. 1) To remind you to start looking for insurance 2) To remind you again about a week later.
Our goal is to provide a service that helps you (and your loan officer) to make sure your loan application process goes as smooth as possible.