Before you get the keys and start moving in, you will need to complete the closing process on your new home. This involves your closing officer ensuring that all the necessary documents are signed and verified and that the money is distributed properly. Typically, the buyer and seller will handle closing separately.

What to bring to closing— You will need to bring a certified or cashier’s check for your down payment and closing costs. Your lender will let you know the exact amount a day or two prior to closing.  A phot ID is also required for the Notary.

Three days prior to your closing date, you will receive the closing disclosure (CD) with the final loan terms and closing cost details. Review these documents carefully and let your lender know immediately if you see anything that concerns you.

During the closing, your closing officer will explain each document and ask you to sign them. Feel free to ask questions and be sure you understand what you are signing.

For questions about the closing process, contact a Verity representative or visit us at


NMLS #456945


Kira Cox

Hi, I’m Kira. I joined Verity in early 2012 after a seven-year stint as a newspaper reporter. While I never thought my career path would veer off in this direction, I am loving my time at Verity. I recently moved from being a member services representative at the Alderwood Branch to being the marketing coordinator for the credit union.

I’m originally from Texas, but I have lived all over the country and the world, including Boston, Massachusetts, Anchorage, Alaska and Sydney, Australia. But in all my travels, the Pacific Northwest is the only place that has felt like home.

When not at work, I am usually home with playing with my son, husband, dog and three cats. During the rare times I don’t have a to-do list to plow through (and it’s not raining too hard), I can be found digging in the vegetable garden, training for a half-marathon, or grilling in the backyard.

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