exact number and function will depend on the state and county. The purpose of the meeting is to sign the following documents: CLOSING DISCLOSURE (CD). This document contains your final payments, costs, and charges, as well as all agreed-upon terms and periods. You should receive it three business days before the closing date and compare it with the conditions of the initial loan estimate. MORTGAGE NOTE . Here, you agree to your mortgage terms and conditions, as well as penalties in case you are not able to pay duly and on time. DEED OF TRUST . In real estate, a deed of trust or trust deed is a deedwherein legal title in real property is transferred to a trustee, which holds it as security for a loan (debt) between a borrower and lender. The equitable title remains with the borrower. CERTIFICATE OF OCCUPANCY (NEW HOUSES ONLY). The Certificate of Occupancy provides authorization from the local government for a building to be used as a public edifice or as a private residence. The certificate provides verification that the building is in full compliance with current building codes and is safe for occupancy. This type of certificate is issued by the local government whenever a new building is constructed within city limits. Inspections are conducted to ensure the basic construction, wiring, plumbing, and other elements of the building are up to code, and can be certified as being safe for occupation. Note: Don’t sign anything if it is unclear to you, different from what you agreed to, or just seems wrong. Ensure you understand exactly what you are signing and how your payments will be distributed over time. Charges change differently over time,
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