First-time homebuyer's guide to closing in Pensacola

Before closing: what to gather

You'll need a government-issued photo ID, your funds to close (by wire or cashier's check), and proof of your homeowner's insurance. Your lender and title company will tell you the exact amount ahead of time.

Review your Closing Disclosure

At least three days before closing, your lender provides a Closing Disclosure with your final numbers. Review it carefully and ask questions — we're happy to walk through it with you.

At the closing table

You'll sign the deed, mortgage, and closing documents. It's normal to have a stack of papers; we'll explain what each one does. Once everything is signed and funds are in, we record the documents with the county.

After you close

The deed and mortgage are recorded, funds are disbursed, and you get the keys — usually the same day. Keep your closing documents and title policy somewhere safe; you'll want them later.

We're here to help

First closings should be exciting, not stressful. Absolute Title of Florida guides Pensacola-area first-time buyers through every step. Call us at (850) 285-0398 with any question, big or small.