Below is a list of the items you will need to provide for your closing:

Homeowner’s Hazard Insurance Policy or Binder. You will need your homeowner’s insurance be equal to at least the amount of the mortgage, or an endorsement showing 100% Replacement Cost Coverage and that the Lender’s name and address is named on the Policy or Binder.

You will need to provide our office with all current outstanding mortgage information so that we may obtain the proper payoff information prior to the closing. Please completely fill out the Refinance Forms with all the payoff information. (If you need Adobe Acrobat, download it here).

If you are refinancing a condominium Unit, you will need a Certificate of Insurance from the insurance agent who provides the Master Casualty Policy for the Condominium complex. You should be listed as the owner and the Lender as mortgagee. This Certificate should list 100% Replacement Cost Coverage, Fidelity Coverage, and $1,000,000.00 of Personal Liability Coverage. Although not required, it is a good idea that you obtain your own insurance coverage for damage to, or injury occurring in, the interior of your unit.

At the closing, you will be required to bring the following items with you:

Certified or Bank Check if you own any amount at closing. This Check should be made payable to yourself. The exact amount of the check is normally available on the day prior to the actual closing date.

Picture identification (e.g. Driver’s License, Passport).