What to Expect at Closing Day in Arizona Real Estate

Closing day — it’s the big moment you’ve been waiting for! After weeks (or even months) of house hunting, negotiating, and paperwork, you’re finally ready to make it official. But what exactly happens at closing, and how can you prepare?

At Arizona Premier Title, we make the process as smooth and stress‑free as possible. Here’s a step‑by‑step look at what you can expect.

1. Reviewing and Signing Documents

Closing is where all the final paperwork is signed to officially transfer ownership. Depending on whether you’re the buyer or seller, you’ll see a variety of documents, including:

Deed – Transfers ownership from the seller to the buyer.
Loan Documents – For buyers using financing, this includes the promissory note and mortgage or deed of trust.
Settlement Statement / Closing Disclosure – Outlines all closing costs, fees, and the final amount owed or received.
Title Documents – Confirms a clear title is being transferred.
Wiring Instructions – For funds being sent by wire transfer.

2. Finalizing the Financials

Once the paperwork is in order, it’s time to handle the money side:

Funds Distribution – The title company disburses funds to the seller, real estate agents, and any other parties owed money.
Paying Off Liens – Any outstanding mortgages, taxes, or liens on the property are paid.
Recording Fees – The deed is recorded with the county to make the transfer official.

💡 Pro Tip: Make sure your closing funds are “good funds” — meaning a wire transfer or cashier’s check. Personal checks aren’t accepted and could delay your closing.

3. Transferring the Title

Once all funds are verified and the deed is signed, the title is officially transferred to the buyer’s name. This is the legal moment when ownership changes hands.

4. Getting the Keys (or the Wire!)

Buyers – You’ll leave with your keys and the excitement of moving into your new home.
Sellers – You’ll receive your sale proceeds, usually via wire transfer or cashier’s check.

For both sides, closing day marks the finish line — and the start of a new chapter.

Tips for a Smooth Closing Day

Bring ID – A valid, government‑issued photo ID is required.
Review the Closing Disclosure – Do this at least three days before closing to avoid surprises.
Stay in Touch with Your Escrow Officer – They’ll guide you on exactly what to bring and expect.
Double‑Check Your Wire Instructions – Always confirm directly with the title company to avoid fraud.

✅ At Arizona Premier Title, we believe closing day should feel like a celebration, not a stressor. Our team handles the details so you can focus on the excitement of moving forward.

What to Expect at Closing