The last week of you closing is the most crucial. If there's ever a time were everything will go wrong, it's that week. The most notorious will be the mortgage company. If your are the buyer, you keep asking them, do you need anything else from me, is my paper work in order, and all you here is, "Yes, we have everything we need". The week they call you up saying they need all sorts of paper work, things that would take you weeks to produce. They tell you that you have an unresolved debt in your name, your home has a loan that was never closed out properly. You're yelling and screaming on the phone and they tell you there's nothing they can do. Thus your closing is delayed. Now your upset, the sellers upset.

Generally the mortgage person you are dealing with doesn't have the final say whether or not you get the loan, it's his/her underwriter! Be sure to get in touch with the underwriter as soon as you apply for you loan. Have them send you a check list of everything you need prior to the day of closing...last 2 pay stubs, certificate of occupancy (CO), copies of your current/last bank statement (font and back), home insurance information, etc...Make sure your home is in order with regards to any home equities line of credits/leans that are satisfied but may still be open, close them! Get a pay off statement for your current home from your current mortgage companies. Keep everyone informed of what is going on (lawyers, mortgage companies, title companies, home insurance companies). Don't forget your real estate taxes!