Loan Officer Life: The Mortgage Rollercoaster! – Day 5: The Victory Lap (AKA Closing Day!)

Welcome to the final post in our Mortgage Rollercoaster series!We’ve climbed the hill of Pre-Approval, dropped into House Hunting, survived the Underwriting Loop-de-Loop, and held our breath through the Appraisal Drop Zone.

Now — you’re pulling into the final stretch. The part of the ride where the wind’s in your hair, the adrenaline kicks in, and the finish line is in sight: Closing Day.

🏁 Day 5: The Victory Lap – You Made It!

There’s a certain magic to closing day. It’s the culmination of weeks (sometimes months) of paperwork, questions, offers, negotiations, verifications, and patience. And while there’s still one more step to go — it’s a good one.

This is the day you sign your final loan documents, wire your funds, and officially become a homeowner.

Yes — you’ll still need a pen. And yes, your hand might cramp after the 47th signature. But every document you sign is one step closer to getting the keys in your hand.

📝 What Happens on Closing Day?

Here’s what you can expect:

1. Final Closing Disclosure Review: You’ll get your Closing Disclosure (CD) at least three business days before signing. This shows all your final numbers — purchase price, loan amount, interest rate, fees, prepaid costs, and the total cash you need to close.

2. Signing Appointment: You’ll head to a title or escrow office (or sometimes a mobile notary comes to you!) to sign the official loan and title paperwork. Expect to spend 30–60 minutes reviewing and signing.

3. Wiring Funds: If you’re bringing in a down payment and/or closing costs, you’ll wire those funds to the title company in advance. (Always confirm wiring instructions by phone to avoid fraud!)

4. Lender Funds the Loan: Once everything is signed and confirmed, your lender will release the funds. This usually happens within a day — sometimes the same day!

5. Recording & Keys: The deed is recorded with the county, and once that’s confirmed… 🗝️ the home is yours. Cue the happy tears, champagne pop, or moving truck — whatever your vibe is.

🧠 A Few Tips to Finish Strong:

• Don’t make any big changes (like switching jobs or opening new credit cards) before closing.

• Triple-check wire instructions — scams are real, and title companies will always confirm by phone.

• Have your ID ready for the signing appointment (yes, it has to be current).

• Be ready to celebrate! Whether you’re moving in right away or planning renovations, take a moment to enjoy what you just accomplished.

🏡 You Did It. You’re a Homeowner.

This process isn’t always easy — it can feel like a ride with unexpected loops and steep drops. But you made it, and that deserves a victory lap.

As your loan officer, I’m beyond proud to have ridden this rollercoaster with you. And even though this chapter is closing, I’m not going anywhere. I’ll be here long after the loan funds — for questions, advice, refinancing, or even helping your friends when they’re ready for their own ride.

🎉 Congrats — you’re home.

Let me know if you'd like a printable copy of your final loan summary or want help setting up reminders for tax and insurance due dates. And of course, I always love seeing pictures of your new place!

If you enjoyed this series, feel free to share it — or drop me a message about what part of the mortgage ride surprised you the most.