Lender Closing Contract-to-Close Checklist

• File Intake & Kick‑Off

  • Create digital transaction file; upload executed contract

  • Send introduction email to buyer, seller, agents, lender, and closing/escrow agent

  • Enter all critical dates (financing contingency, appraisal, loan approval, CD, closing) into shared timeline

• Earnest‑Money Deposit (Handled by Escrow Agent)

  • Distribute escrow agent’s wiring/check instructions to buyer

  • Confirm deposit received by contractual deadline; save receipt to file

• Inspection Period Management

  • Coordinate property access for inspectors and appraiser if requested simultaneously

  • Track inspection deadline and any repair‑request addenda

  • File inspection reports; circulate to parties as needed

• Title & Lien Search

  • Order title commitment / lien search from underwriter or attorney

  • Deliver commitment to lender; flag exceptions requiring clearance

  • Coordinate payoff statements or releases for liens discovered

• Survey (If Required by Lender)

  • Schedule the completion of a survey

  • Follow up on the status of the survey

  • Track objection/approval period for encroachment issues

• HOA / Condo & Municipal Docs

  • Check on the status of estoppel letters, resale packages, bylaws, condo questionnaires

  • Monitor HOA/condo application and approval status

• Buyer Loan Milestones

  • Confirm full loan application submitted and disclosures signed

  • Appraisal Coordination: schedule access; track receipt of report

  • Collect supplemental documents requested by processor (W‑2s, insurance binder, etc.)

  • Conditional Approval → Final Approval: track satisfaction of underwriting conditions

• Insurance & Flood Binder

  • Remind buyer to secure homeowner‑insurance binder and (if required) flood coverage

  • Deliver binder(s) to lender for Closing Disclosure prep

• Closing Disclosure (CD)

  • Review draft CD for accuracy (prorations, fees, credits)

  • Ensure lender issues CD ≥ 3 business days before scheduled signing

• Clear‑to‑Close & Signing Coordination

  • Confirm lender issues “Clear‑to‑Close” email

  • Schedule in‑person or remote signing with closing agent/notary

  • Distribute lender‑provided final wire instructions to buyer

• Funding & Recording

  • Verify lender wire and buyer cash‑to‑close received by escrow agent

  • Track deed and mortgage recording; obtain recording information from closing agent

• Post‑Closing Wrap‑Up

  • Send “Congratulations” email and testimonial request

• Zero‑Risk Guarantee

  If the transaction does not close, you pay us nothing.

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Compliance Note: YSM Title Services, Inc. offers administrative coordination only. We do not negotiate contract terms, draft legal documents, provide legal advice, or hold escrow funds.