The days before closing are busy, but the loan documents deserve more than a quick glance. If you are financing an Atlanta purchase, use the Closing Disclosure to check the terms and costs you are about to accept. Write down differences and ask for explanations while there is still time to address a question.
Know which document you are reviewing
For most covered closed-end mortgage transactions, the lender must provide the Closing Disclosure at least three business days before closing. The CFPB explains that this review period lets you compare the final information with the Loan Estimate and ask questions. Do not confuse the disclosure with a final guarantee that every closing condition has been completed.
Compare the key loan terms
Check the borrower information, loan amount, purpose, term, rate type, and payment details against your most recent understanding. Identify mortgage insurance and escrow components where applicable. If something differs from the proposal you selected, ask why. A small-looking change can matter if it reflects a different loan structure or assumption.
Review costs and credits together
Look at lender charges, third-party services, prepaid items, escrow funding, and credits rather than focusing on a single total. Confirm that agreed seller or lender credits are reflected appropriately. Ask which differences result from updated estimates and which require correction. A credit and a fee should be understandable as separate entries.
Confirm the funds and process for closing
Ask the closing office how the final amount and payment instructions will be verified. Keep trusted contact information available and independently confirm sensitive instructions through an established channel. Do not rely on an unexpected message changing where money should go. Clarify remaining document or identification requirements before the scheduled appointment.
What if you find an error?
Contact the lender or closing professional promptly and ask how it will be addressed. Do not sign on the assumption that an unexplained term can simply be fixed later. Ask whether a correction affects timing or requires further review. The purpose of checking early is to understand the actual agreement before accepting it.
Discuss your next step with Reliant Mortgage
Work with Reliant Mortgage to review questions about your Atlanta Closing Disclosure. Compare it with your latest Loan Estimate and ask for clear explanations before the closing appointment.
Contact Reliant Mortgage about your financing questions.
Helpful resources
CFPB: the Closing Disclosure and review period
CFPB: reviewing Closing Disclosure terms and costs
Loan options and availability depend on borrower and property eligibility, program requirements, and underwriting. This article is educational and is not a commitment to lend.
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