After your loan is approved, you will sign the final loan documents. This will usually take place in the presence of a notary public. Be prepared to:

• Bring driver's license or other valid identification.

• Bring a certified check for your down payment and closing costs if required.

• Review the final loan documents. Make sure that the interest rate and terms are what you agreed to. Verify all names and addresses for accuracy on all documents.

• Sign the loan documents.

Your loan will normally close shortly after you have signed all of the required documents. On refinance and home equity loan transactions, federal law requires a 3-day review period before your loan transaction can close.