Closing day should be a moment of celebration—not surprise. But for many Florida homebuyers, a lack of preparation or oversight can turn the final step in a real estate transaction into a legal headache. At Zagury Scott, P.A., we’ve seen it all—and we’re here to help you avoid the most common mistakes that can derail your closing.
1. Not Reviewing the Closing Disclosure Carefully
The Closing Disclosure (CD) outlines your final loan terms, closing costs, and what you owe. Many buyers skim it or wait until the last minute to review it. Mistakes in this document—like incorrect fees, tax prorations, or escrow amounts—can lead to major delays.
✅ Tip: Always review the CD with your attorney at least 3 days before closing. Don’t hesitate to ask questions or dispute inaccuracies.
2. Making Last-Minute Financial Changes
Did you just change jobs, open a new credit card, or finance a new car? These moves might seem harmless, but they can affect your loan approval—even hours before closing.
✅ Tip: Don’t make any major financial decisions or credit changes before closing. Keep your finances stable until the deal is finalized.
3. Not Doing a Final Walkthrough
A walkthrough ensures the property is in the condition agreed upon in the contract. Skipping it can mean inheriting damage, missing repairs, or finding personal items left behind by the seller.
✅ Tip: Schedule your final walkthrough within 24 hours of closing. Bring your agent—and your checklist.
4. Forgetting to Bring Required Documents
It may sound simple, but many buyers forget IDs, cashier’s checks, or wire instructions on closing day. This can delay your closing or even push it back a full day.
✅ Tip: Work with your legal team to prepare a closing day checklist so nothing is missed.
5. Not Having Legal Representation
One of the biggest mistakes is not hiring a real estate attorney—especially in a state like Florida where real estate contracts and title issues can be complex.
✅ Tip: Your agent isn’t your lawyer. An experienced real estate attorney protects your interests, reviews documents, explains liabilities, and ensures a smooth, legally sound closing.
Protect Your Investment with Zagury Scott, P.A.
Whether you’re buying your first home or a commercial property, the closing process is where everything becomes real—and legally binding. Don’t leave it to chance.
At Zagury Scott, P.A., we’ve helped hundreds of Florida buyers avoid costly mistakes and close with confidence. From contract to keys, we’ve got your back.
📞 Schedule a consultation today and close with peace of mind.
