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Funding

The Signing

When the lender is ready to “close” your loan, or “fund” it, your real estate agent and your mortgage broker will have you sign the final loan documents. Signing will typically take place in front of a notary or an escrow officer.

Preparing for the Appointment

Ask your mortgage broker if there is anything you need to do to prepare for this, such as:

  • Bringing a photo ID

  • Bringing a cashiers’ check (if you are purchasing real estate)

Pro Tip: Allow yourself enough time to review the documents for accuracy.

If Funds Are Being Wired

“Wiring instructions” direct the electronic transfer of money between financial companies.

  • Plan Ahead: If possible, arrange to have the wiring instructions in place ahead of time.

  • Double-Check: Ensure they are verified for accuracy by both the sender and recipient of the wire.

It is critical that these instructions be exact, and even so, delays are all too common.

Congratulations!

Your mortgage broker will probably call you to confirm that the money has been transferred and the loan has closed.

  • Next Step: Always follow up with a phone call to confirm that your loan funds went where they were supposed to go.

  • Record Keeping: It is a good idea to keep records of this critical phase of the transaction once completed.

Work With Alina

Whether you're searching for your perfect Keys escape, investing in a vacation rental, or selling a slice of paradise you've loved for years, my goal is always the same: honest guidance, strong advocacy, and a seamless experience from start to finish. The Florida Keys isn't just real estate — it's a lifestyle, and I'm here to help you find your place in it. I would be honored to help you take that next step toward sun, water, and everything the Keys has to offer.