How to Prepare for Your First eClosing: A Checklist for Homebuyers

Apr 12

Buying a home is an exciting milestone — and with today’s technology, it’s easier than ever to complete the process digitally. eClosings are quickly becoming the new norm, offering a faster, more convenient way to finalize your mortgage from the comfort of your home. But if it’s your first time doing an eClosing, you might wonder: what exactly do I need to be ready?

Here’s a simple checklist to help you prepare for your first eClosing with confidence:

✅ 1. Understand What an eClosing Is

An eClosing is a mortgage closing that happens electronically. Depending on your lender and your state’s laws, it could involve:

Hybrid eClosing: Some documents are signed digitally, while others require an in-person signature.
Full eClosing: All documents are signed electronically.
Remote Online Notarization (RON): The entire closing, including notarization, is done virtually.

Tip: Confirm with your lender or title company which type of eClosing you’ll have so you know what to expect.

✅ 2. Review All Documents in Advance

Before your closing day, you should receive the necessary documents electronically, including:

Closing Disclosure (CD)
Promissory Note
Deed of Trust or Mortgage

Take the time to review these thoroughly. If you have questions, ask your lender or real estate agent for clarification before signing.

✅ 3. Check Your Technology

To avoid any technical hiccups, make sure you have:

A computer, tablet, or smartphone with a camera
A reliable internet connection
Updated web browser or app as required by the eClosing platform
Access to your email

Bonus tip: Some eClosings require two-factor authentication, so have your phone nearby to receive security codes.

✅ 4. Verify Your Identity

For security purposes, you’ll need to verify your identity. Be prepared with:

A government-issued ID (like a driver’s license or passport)
Answers to security questions (based on your personal history)

Some platforms also use "credential analysis" and "knowledge-based authentication" to ensure everything is secure.

✅ 5. Set Up a Quiet, Private Space

Choose a comfortable, distraction-free environment for your eClosing. Make sure you have:

Good lighting (so your ID can be clearly verified)
A quiet background (especially if a video conference with a notary is required)
No interruptions during the signing session

✅ 6. Coordinate with Your eClosing Team

Communication is key! Stay in close contact with your:

Loan officer
Title or escrow agent
eClosing coordinator

They’ll guide you through the process and help troubleshoot any issues that might come up.

✅ 7. Know What Happens After You Sign

After you electronically sign the documents:

The title company will record the deed with your county
Your lender will finalize the funding
You’ll officially become the homeowner!

Make sure you ask how and when you’ll receive copies of your signed documents for your records.

Final Thoughts

Your first eClosing might feel a little different from the traditional way — but with the right preparation, it’s smooth, secure, and stress-free. By following this checklist, you’ll be ready to close on your new home confidently and start your next chapter with ease.

Ready for your first eClosing? Reach out to your lender or real estate team today and take the first step toward a faster, more convenient homeownership experience!