The closing disclosure (CD) is a final, itemized statement of all costs involved in your real estate transaction — including loan terms, fees, and the exact amount due at closing. Buyers must receive it at least three business days before closing to review for accuracy. It ensures transparency and p

Once your offer is accepted, several steps begin: opening escrow, scheduling inspections, completing the appraisal, and finalizing your loan approval. You’ll review disclosures, negotiate any repairs, and confirm title and insurance details. As closing approaches, your lender issues a final closing

Escrow is a secure, neutral process that holds funds and documents until all conditions of a real estate contract are met. It protects both parties — ensuring the buyer’s earnest money and the seller’s deed are handled safely. The escrow officer or company oversees the process, collecting funds, ver