Once the loan is approved, the file is transferred to AHF’s closing and funding department. You will be notified of the approval and a closing scheduled. At the closing, you should:

• Bring a cashier’s check for your down payment and closing costs if required. Personal checks are  normally not accepted and if they are they will delay the closing until the check clears your bank.
• Bring identification and proof of insurance.
• Review the final loan documents. Make sure that the interest rate and loan terms are what you agreed upon. Also, verify that the names and address on the loan documents are accurate.
• Sign the loan documents.

After the documents are signed, they are returned to our processing department, which examines them and, if everything is in order, arranges for the funding of the loan. Once the loan has funded, the mortgage note and deed of trust are recorded at the county recorder’s office. The closer then prints the final settlement costs on the HUD-1 Settlement Form and final disbursements are made.