How to Close on a New Home Remotely

You can buy a home from anywhere. Technology makes it possible to shop, sign, and close without setting foot on site.

Why it matters A remote closing can save time, travel, and stress – but only if you plan ahead and verify every step.

Stay Connected With All Stakeholders

• Check in regularly with your sales rep or builder via phone, text, email, or video chat to stay up on the

  progress of your new build.

• Request live video walk-throughs or recorded tours.

• Confirm your closing timeline and coordinate with your lender.

Secure Your Financing

• Lock your rate about 1–2 months before moving.

• Provide updated pay stubs or bank statements through your lender’s secure portal.

• Keep your credit stable – no new accounts, large purchases, or unexplained cash transfers.

• Be alert to scams: verify wiring instructions directly with your lender or title company using trusted contact info.

Appraisals & Certificates

• Your loan will likely be “subject to appraisal.”

• Ask your lender if virtual appraisals are an option in your area.

• Ensure a certificate of completion is issued before closing.

Set Up Insurance, Utilities, and Movers

• Shop for homeowner’s insurance online and finalize before move-in.

• Coordinate utility transfers with your builder.

• Book movers early; many offer remote estimates.

Plan for a Virtual Closing

• Start early: speak with your lender, builder, and title company about requirements.

• In some states, attorneys must attend closings; in others, title reps can handle them.

• Notarization can be done via video call, secure e-signature, or overnight document exchange. There are various platforms that may be used including Docusign and Notarize.

• Closing costs can be wired or paid with certified funds.

Bottom line With the right tech, trusted pros, and a clear timeline, you can close on your new home from anywhere.

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