Once your offer is accepted, the due diligence period begins. You will typically have 7 to 14 days to schedule a professional home inspection. The inspector will examine the roof, foundation, HVAC, plumbing, electrical systems, and more. If significant issues are found, you can negotiate repairs, request a credit toward closing costs, or walk away if the problems are severe. Your lender will also order an appraisal to confirm the home's value meets or exceeds your purchase price. In Central Georgia, appraisals typically cost $400 to $600 and are required for all financed purchases.
While inspections and appraisal are underway, your loan officer will finalize your mortgage application. You will submit any additional documents requested, lock in your interest rate, and wait for underwriting approval. Underwriting is the process where the lender verifies all your financial information and ensures the property meets their guidelines. Be responsive during this phase — delays in providing documents can push back your closing date. Avoid changing jobs, opening new credit accounts, or making large purchases until after closing.
Three business days before closing, your lender is required to provide a Closing Disclosure. This document details your final loan terms, interest rate, monthly payment, and all closing costs. Compare it to your original Loan Estimate to make sure there are no unexpected changes. If something looks off, ask questions immediately. Your agent and loan officer should walk you through any line items you do not understand.
In Georgia, closings are typically handled by a licensed attorney. You will meet at the attorney's office or a title company location to sign all final documents, including the mortgage note, deed of trust, and closing disclosures. Bring a cashier's check or arrange a wire transfer for your down payment and closing costs, plus a valid photo ID. Once the documents are signed, funds are disbursed, and the deed is recorded with the county — congratulations, you are a homeowner in Central Georgia.
After closing, change the locks, set up utilities, and consider a home warranty if one was not included in the purchase. Keep all your closing documents in a safe place, and make your first mortgage payment on time. Welcome to homeownership in Warner Robins — one of the best decisions you can make for your family and your financial future.
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