• Truth in Lending Statement – this document discloses the interest rate, annual percentage rate, amount financed and the total cost of the loan over its life.
   
• Itemization of amount financed – summarizes the finance costs, i.e. points
   
• Monthly payment letter – you monthly payment into principal, interest, taxes, insurance and other monthly escrows
   
• Note – document for borrowing the money and your personal guarantee to pay it back
   
• Mortgage – puts a lien on the house as security for the loan
   
• HUD Form 1/Disclosure/Settlement Statement – settlement costs and amounts
   
• Warranty Deed – transfers the title of property
   
• Pro-ration agreements - document which determines how the seller and buyer divide the costs of property taxes, homeowners association fees etc for the month the sale takes place in
   
• Tax and Utility Receipts – various city and state receipts acknowledging what is being paid by the seller and by the buyer
   
• Name affidavit – certifying you are who you say you are
   
• Acknowledgement of Reports - buyer acknowledges they have seen all the reports on the property
   
• Search or Abstract of Title – listing of every recording of the property
   
• Closing Costs – your attorney will inform you of the total costs you will be responsible for at closing and will require the funds in a certified check. 

If you would like more information, please contact us at 973-376-8300 or email us at  Info@TRGHome.com.