Who this article is for
This article is for:
Borrowers with a scheduled closing date
Anyone who has received their Closing Disclosure
People who want to avoid last-minute issues before signing
How to prepare for closing day
Closing day is the final step of your Nestwise mortgage. Most closings are fully digital, but there are still a few things to do ahead of time to make sure everything goes smoothly.
Here’s how to prepare.
1. Review your Closing Disclosure one more time
Before closing day:
Recheck your final loan amount
Confirm your interest rate
Review your monthly payment
Verify the “cash to close” amount
Make sure your personal details are correct
If you see anything unexpected, contact Nestwise immediately.
2. Prepare your funds for closing
If you need to bring money to closing, Nestwise will give you detailed instructions.
Do the following:
Confirm the exact amount on your CD
Check your bank’s wire cutoff times
Use only the wiring instructions provided in your dashboard
Important:
Always call the phone number on the official Nestwise site to confirm wire instructions.
Wire fraud is common in real estate, and Nestwise will never change instructions by email or text.
3. Gather your ID
Even for digital closings, you’ll need:
A valid government-issued ID (driver’s license or passport)
Make sure it’s not expired.
4. Make sure your device is ready
For digital signing:
Use a charged phone, tablet, or computer
Ensure your internet connection is stable
Allow time for reviewing documents without interruptions
If your closing requires in-person elements, Nestwise will provide the exact instructions.
5. Avoid major financial changes before closing
Do not:
Open new credit accounts
Make large purchases (car, furniture, appliances)
Move large sums of money between accounts
Change jobs
Miss any bill payments
Even small changes can affect final approval.
6. Plan your schedule
Most closings take 20–45 minutes.
Choose a time when you can review documents without rushing.
If other people are signing (like a spouse or co-borrower), make sure:
They are available
Their IDs are ready
They understand their part of the process
7. Expect a final employment check
Lenders are required to verify your employment again just before closing.
Your employer may be contacted for a quick confirmation.
No action is needed on your part unless we request information.
8. Contact us if you have questions
If you’re unsure about anything:
Reach out in chat
Email support
Or ask your specialist directly
We want closing day to feel calm and predictable.