--- title: "Closing Guidance Marquette MI | Dawn Florio" description: "Closing day guide: what to bring, documents to sign, closing costs breakdown, and tips for a smooth closing." lang: en json-ld: | { "@context": "https://schema.org", "@type": "RealEstateAgent", "name": "Dawn Florio Real Estate", "description": "Your trusted real estate expert in Marquette County, MI. Brokered by RE/MAX 1st Realty.", "url": "https://startmynewbeginning.com", "telephone": "+1-906-360-0796", "email": "Dawn@Remax906.com", "address": { "@type": "PostalAddress", "streetAddress": "2854 Venture Drive", "addressLocality": "Marquette", "addressRegion": "MI", "postalCode": "49855", "addressCountry": "US" }, "openingHours": "Mo-Fr 09:00-16:30", "priceRange": "$$", "areaServed": { "@type": "City", "name": "Marquette County, Michigan" } } --- [906-360-0796 ](tel:906-360-0796)[Dawn@Remax906.com ](mailto:Dawn@Remax906.com) Brokered by RE/MAX 1st Realty [![Dawn Florio Real Estate logo](/assets/dfr-logo-white-DK1Kg6lF.avif)](/) [Home](/)[Listings](/Listings-Marquette-MI)[About](/About-Marquette-MI)[Services](/Services-Marquette-MI) [BuyerHUB](/BuyerHub-Marquette-MI) [SellerHUB](/SellerHub-Marquette-MI) [Contact](/Contact-Marquette-MI) [← Back to BuyerHUB](/BuyerHub-Marquette-MI) # Preparing for Closing Day The finish line is in sight! Here's everything you need to know about closing day: what to expect, what to bring, and what you'll sign. ## Closing Day Timeline What happens before, during, and after your closing appointment ### Before Closing - Confirm wire transfer instructions directly with title company by phone - Gather required documents (ID, any outstanding paperwork) - Review closing disclosure 3 days before (required by law) - Arrange cashier's check or wire transfer for closing costs - Set up utilities in your name ### At Closing - Review all documents with closing agent - Sign purchase agreement, deed, and loan documents - Pay closing costs and down payment - Title company records the deed - Receive your keys! ### After Closing - Change locks for security - Update your address with important contacts - File homestead exemption (if applicable) - Keep all closing documents in a safe place ## Who Attends Closing? Closing typically takes 1-2 hours. Here's who you can expect to see at the closing table: You (the Buyer) Sign documents, provide funds Closing Agent Explains documents, facilitates signing Your Agent (Dawn) Support and guidance, answer questions Seller (sometimes) May sign separately or attend Lender Representative May attend or documents sent ahead ## What to Bring Government-issued photo ID Driver's license or passport Cashier's check or wire confirmation For closing costs and down payment Proof of insurance Homeowner's insurance binder Any outstanding documents As requested by lender or title company ## Understanding Closing Costs Typical closing costs range from 2-5% of the purchase price. Here's what to expect: Cost Item Typical Amount Description Loan Origination Fee 0.5-1% of loan Lender's fee for processing your loan Appraisal Fee $400-600 Cost of property appraisal Title Insurance $1,000-2,500 Protects against title defects Recording Fees $100-250 County fees to record the deed Prepaid Interest Varies Interest from closing to first payment Escrow Deposits 2-6 months Property tax and insurance reserves Home Inspection $300-500 Usually paid before closing ## Wire Fraud Prevention Wire fraud is a serious threat in real estate transactions. Criminals hack emails and send fake wire instructions to steal your down payment. Protect yourself: - Always verify wire instructions by phone using a known number - Never use contact info from an email. Look up the number independently - Be suspicious of last-minute changes to wire instructions - Report any suspicious communications immediately - If in doubt, delay the wire and verify in person ## Congratulations, Homeowner! When the last document is signed and the keys are in your hand, you've officially begun your new chapter. Welcome to homeownership! Your new beginning starts now. ## New Homeowner Checklist Important tasks for your first week as a homeowner ### Change Locks You never know who has copies of the old keys. Re-key or replace all exterior locks. ### Update Address Post office, employer, banks, DMV, subscriptions, and insurance policies. ### Meet Neighbors Introduce yourself! Good neighbor relationships enhance community living. ### Document Everything Take photos/video of your new home's condition for insurance records. ### Locate Shutoffs Find water main, gas shutoff, and electrical panel. Know how to use them in emergencies. ### File Homestead If this is your primary residence, file for homestead exemption to reduce property taxes. ### Set Maintenance Reminders Schedule regular maintenance: HVAC filters, gutters, water heater, etc. ### Keep Documents Safe Store closing documents, warranty info, and home systems manuals in a secure location. ## Closing FAQs ### How long does the closing meeting take? Typically 1-2 hours. You'll sign many documents, but the closing agent will explain each one. Don't hesitate to ask questions! ### When do I get the keys? Usually at the end of closing, once the deed is recorded. In some cases, possession may be slightly delayed based on contract terms. ### What if I find problems during final walkthrough? Minor issues can often be addressed at closing through credits or escrow holdbacks. Major problems may require delaying closing to resolve. ### Do I need to bring anything besides ID and funds? Bring your ID, proof of insurance, and any documents your lender or title company requested. I'll remind you of anything specific needed. ### What if I have questions after closing? I'm always here to help! Whether it's contractor recommendations, market questions, or just saying hello, feel free to reach out anytime. ## Ready to Start Your Journey? From your first search to closing day and beyond, I'm here to guide you every step of the way. [← Under Contract](/BuyerHub-Marquette-MI/Under-Contract)[Start Your Home Search](/Contact-Marquette-MI) ![Dawn Florio Real Estate](/assets/dfr-logo-white-DK1Kg6lF.avif) ★ 2025 UP Realtor of the Year Your trusted real estate partner in Marquette County. Specializing in new beginnings and empowering clients through education. [](https://www.facebook.com/dawnfloriorealtor)[](https://www.instagram.com/dawnfloriorealtor/)[](https://www.linkedin.com/in/dawn-florio-67524265) ## Quick Links - [About Dawn](/About-Marquette-MI) - [BuyerHUB](/BuyerHub-Marquette-MI) - [Property Search](/BuyerHub-Marquette-MI/Property-Search) - [SellerHUB](/SellerHub-Marquette-MI) - [What's Your Home Worth?](/SellerHub-Marquette-MI/Home-Value) - [All Services](/Services-Marquette-MI) - [Community](/Community-Marquette-MI) - [Contact](/Contact-Marquette-MI) ## Services - [Commercial Real Estate](/Services-Marquette-MI/Commercial) - [Luxury Properties](/Services-Marquette-MI/Luxury) - [Waterfront Homes](/Services-Marquette-MI/Waterfront) - [Real Estate Consulting](/Services-Marquette-MI/Consulting) ## Contact - [906-360-0796 ](tel:906-360-0796) - [Dawn@Remax906.com ](mailto:Dawn@Remax906.com) - 2854 Venture Drive Marquette, MI 49855 © 2026 Dawn Florio Real Estate. All rights reserved. Equal Housing Opportunity Site managed by [Moon Vibes Media](https://moonvibesmedia.com) [Privacy Policy](/Privacy-Marquette-MI)[Terms of Use](/Terms-Marquette-MI) [](tel:906-360-0796)