So the time has come that you are ready to close on the property you have been hoping for. You have went through viewing homes, negotiating, and contracts, so you are on the final stretch.

Don’t assume that its smooth sailing now that you are about to close. You haven’t closed yet and even once you have you could still have some problems to deal with if you aren’t aware of your needs and options as a buyer. You signed up to buy something specific and you need to make sure you’re getting what you paid for.

Below is a checklist that you should use before closing on your home. Going through this list will help you discover safety measures that you can use before setting yourself up for trouble.

Make sure you look over your mortgage and loan documents. See what you’ll be paying, what interest rate is listed, and uncover any fees that you are unsure about and make sure to ask about them.

Are the names correct on the mortgage deeds? If there are any problems this could come back to haunt you later. You don’t want to wonder the jeopardy of your home because of a silly mistake.

If you signed up for a home warranty policy did you check that out? If you didn’t and something goes wrong you may suffer because you did not check your contract sooner. You want to point out any mistakes as soon as you find them.

If you are paying the property taxes in full you will want to receive documentation that they were paid and find out when they will be due again.

Have you received all the disclosure statements concerning the new property? You want to make sure you have these because they fill you in on the defects that are present in the home. By law they should be provided to you and you should go over them to ensure you are comfortable with any and all things listed.

Have you had a chance to go through a walkthrough of the home and ensure that everything is exactly how it should be? You want to make sure that everything is removed that is the previous owners and everything that should be there is where it should be.

Make sure you understand everything on your contract. Many people are confused by prorated items. If you do not understand these things it is your right and obligations to ask questions before you sign your closing papers. This is for your own safety.

Have you found the day, according to closing papers, that you will take occupancy? Was this the day you agreed on and is that comfortable for you. Once again you should speak up before signing if there is a problem. Once you sign you are agreeing that everything is acceptable.

Do you agree with all the fees you will be paying come closing day? You should have previously agreed to certain to charges and you need to be aware if those charges are correct before you pay anything or sign anything.

Other than that you should be ready. Make sure the home is in order and that your contracts are 100% as they should be, down to spelling, and you will be fine.