When do I sign the final documents?

When do I sign the final documents?

When do you REALLY sign the final documents? Don’t guess — know the exact moment and move with confidence.

The moment of signing: clear, fast, unavoidable

You sign the final documents on closing day — the legally agreed date when ownership transfers. That’s when banks release funds, lawyers register paperwork, and keys officially change hands. The signing is the last administrative step before possession. No signatures, no transfer.

What “closing day” means for you

• Closing day = settlement day = possession day (unless contract says otherwise).
• The buyer signs mortgage and transfer documents; the seller signs release documents.
• Your lawyer or notary and your realtor coordinate final adjustments, funds and registration.

Typical timeline and who signs what

1. Final walkthrough: hours before signing. Inspect the property.
2. Signing appointment: usually at a lawyer’s or notary’s office, or virtually if allowed. Expect 30–60 minutes.
3. Lawyer registers transfer: this can take hours. Once registered, funds move and title transfers.
4. Possession: keys handed over when registration and funds are confirmed.

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Common scenarios and timing differences

• Mortgage-ready buyers: signing often happens the morning of closing.
• Delayed financing or clear title issues: closing can be postponed until problems are fixed.
• Remote or e-closing: some signatures happen electronically before registration; final notarization may follow.

Checklist: what to bring and verify before signing

• Government ID and proof of funds for closing costs.
• Final mortgage documents after lender confirmation.
• Copy of purchase agreement and any amendments.
• Keys and garage openers (for seller).
• Final utility read and move-in instructions.

Red flags to watch for

• Last-minute price changes or unapproved adjustments.
• Missing funds or unconfirmed mortgage instructions.
• Incomplete registration paperwork.
  If you see these, pause signing and call your lawyer and realtor immediately.

How to make signing and moving smooth

• Confirm appointment time the day before.
• Do the final walkthrough the same day.
• Keep backup payment method ready for closing costs.
• Coordinate movers but don’t schedule them before registration is confirmed.

Summary

You sign the final documents on closing day — after the final walkthrough and at your lawyer/notary appointment. Signing starts the legal transfer; registration and fund release complete it. Know the checklist, watch for red flags, and coordinate movers only after registration is confirmed.

FAQ

Q: Can I sign earlier than closing day?
A: Some documents may be signed electronically beforehand, but legal transfer only happens once registration and funds are complete.

Q: Who pays closing costs?
A: Contract specifies. Buyers typically cover transfer and mortgage-related costs; sellers cover liens or agreed adjustments.

Q: What if there’s a problem at signing?
A: Delay or pause signing. Your lawyer and realtor will negotiate remedies or revised dates.

For expert guidance and a worry-free closing and moving experience, contact Tony Sousa — local realtor and closing specialist. tony@sousasells.ca | 416-477-2620 | https://www.sousasells.ca