How Closing Works When You Buy in Texas
Closing is a process, not one day
I'm Omega Mejia, a real estate agent in Frisco, Texas. Closing feels like a single event, but the work starts the day your offer is accepted. Many small steps lead to the day you get your keys.
My job is to keep track of every one so you never wonder what comes next. See my full buying process.
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Step 1: The title company opens the file
In Texas, a title company handles your closing. After your offer is accepted, the buyer delivers earnest money to the title company, and the file opens. The title company researches the property's ownership history and prepares the documents.
I stay in touch with them throughout, so any question gets answered quickly.
You won't need to chase anyone. If the title company needs something from you, I tell you what it is and when it's due, in plain words. Questions are welcome at any hour of the process, and I answer them as soon as I can.
Step 2: The option period and the appraisal
You inspect the home during the option period, usually 7 to 10 days, and decide how to move forward. Here's how that works. Your lender also orders an appraisal. I keep an eye on the timing and tell you what to expect.
Step 3: We stay on top of the details
Between acceptance and closing, a few things keep moving. I coordinate them with you, your lender and the title company.
- Lender updates. Your lender may ask for documents. Respond quickly, and tell me if anything seems unclear.
- Utilities and moving. I help you plan transfers and share vendor referrals when you need them.
- Insurance and other items. Your lender and title company tell you what they need, and I help you track it.
- Dates. I check the closing date against your move so nothing collides.
Step 4: The final walkthrough
Shortly before closing, we visit the home again. The goal is to confirm it's in the condition we expected and that any agreed repairs are complete. If something looks wrong, we raise it before you sign. I bring the list, and you bring your questions.
Test the lights, the faucets and the appliances. Open and close the doors and windows. A few quiet minutes in the home now saves a lot of worry later.
Step 5: Closing day
At the title company, you review and sign your documents. I'm with you to answer questions and make sure nothing surprises you. When everything is signed and your lender funds the loan, the home is yours.
I walk you through the final steps and hand over your keys as soon as they're available. Closing support is part of my service, and so is staying in touch after.
Your next step
Want to know what your closing might look like? Tell me about your timeline. Buying new construction? See how closing works with a builder. First-time buyers can start at my first-time buyer page, and the buying a home overview covers the whole path. To start from the beginning, read how I help you get pre-approved and how I help you make an offer.
This page describes my general approach and isn't legal, tax or lending advice. Your title company, lender and attorney can answer questions about your specific closing.
Frequently Asked Questions
Who handles closing in Texas?
A title company handles closing. They prepare the documents and bring everyone together to sign.
What does the lender do before closing?
Your lender orders an appraisal and finishes reviewing your file. I keep track of the timing so you know what to expect.
Will you be at closing with me?
Yes. Closing support is part of what I do. I'm there to answer questions and make sure you understand each document.
What is the final walkthrough?
It's a last visit to the home before closing. We confirm its condition and check that any agreed repairs are done.
Hi, I'm Omega Mejia.
I help people across Collin County make their next move with confidence. Got a question, or a house you're curious about? I'd love to hear about it.
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