The practical answer: keep your financing unchanged, arrange insurance and legal signing early, transfer closing funds using verified instructions, and wait for your lawyer or real estate professional to confirm possession before entering.
One to two weeks before closing
- Confirm all lender conditions are satisfied and signing instructions are with the lawyer.
- Arrange property insurance effective on the required date and provide proof.
- Confirm the final cash required for down payment, legal costs and adjustments.
- Review how funds must be transferred and independently verify wiring instructions.
- Set up utilities and plan the move.
Do not change the financial picture
Avoid new credit, vehicle financing, large purchases, missed payments, job changes or unexplained movement of down-payment funds before closing. Lenders may reverify employment, credit or funds.
If something changes, tell the mortgage broker promptly. Early disclosure creates more options than a surprise immediately before possession.
Closing and possession day
- Complete legal signing and provide identification and funds as instructed.
- Wait for confirmation that funds and title registration are complete.
- Receive keys according to the purchase contract and local process.
- Complete the agreed final walkthrough and document concerns.
- Check locks, utilities, smoke and carbon-monoxide alarms, and locate shutoffs.
Keep the mortgage, insurance, purchase contract, inspection and legal records together after closing.
Structured answers
Frequently asked questions
When do I get the keys?
After the transaction has closed and possession is released under the contract; your lawyer or real estate professional confirms timing.
Can I finance furniture before possession?
Avoid new debt or credit changes until the mortgage has funded unless your broker confirms it is safe.
How should I send closing funds?
Follow your lawyer’s verified instructions and independently confirm any electronic transfer details to reduce fraud risk.
Discuss your numbers
Turn the general guidance into a Regina mortgage plan.
Ramin can review your goals, documents and timing, then explain suitable lender paths and the trade-offs that matter.
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