Who this article is for
This article is for:
Borrowers who have received final approval or “clear-to-close”
Anyone approaching their closing date
People who want to understand the final steps of the mortgage process
What to expect before closing
Once you are cleared to close, you’re in the final stage of the Nestwise mortgage process. The last few days are focused on preparing documents, confirming details, and making sure everything is ready for closing day.
Here’s what you can expect.
1. You’ll receive your Closing Disclosure (CD)
The Closing Disclosure is a detailed document that outlines:
Your final loan terms
Your interest rate
Your monthly mortgage payment
Your closing costs
Any prepaid items (taxes and insurance)
Cash needed to close, if applicable
You must receive the CD at least 3 days before closing, as required by federal law.
2. Review your Closing Disclosure carefully
When you receive your CD:
Make sure all personal information is correct
Confirm the loan amount and interest rate
Review estimated monthly payments
Check your closing cost breakdown
Verify the amount you need to bring to closing
If you notice anything that doesn’t look right, contact Nestwise immediately — small errors are common and easy to fix.
3. Nestwise will confirm your closing appointment
You will receive:
Your official closing date
Appointment time
Instructions for signing (usually digital)
Any additional guidance for your situation
Most closings take place fully online through a secure signing platform.
4. Prepare your funds for closing
If you need to bring money to closing, Nestwise will provide detailed instructions.
You may need to:
Schedule a wire transfer
Confirm your bank’s wire cutoff time
Use only verified wiring instructions from Nestwise
Important:
Always call the number on the Nestwise website to confirm wiring instructions.
Wire fraud is common in the real estate industry.
5. Expect a final employment verification
Before closing, lenders are required to verify your employment one more time.
This may happen through:
A quick automated check
A call to your employer
A third-party verification service
This step ensures nothing has changed since your loan was approved.
6. Avoid major financial changes
In the days before closing, avoid:
Changing jobs
Opening new credit accounts
Making large purchases (car, furniture, etc.)
Transferring large amounts of money
Missing any bill payments
These changes can impact your loan at the last minute.
7. You’ll receive final signing instructions
On or before closing day, Nestwise will send:
A link to your digital closing package
Steps for reviewing and signing
Contact information if you need assistance
Most borrowers can complete the entire closing online in about 20–30 minutes.