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this is part two of a three-part series of videos for what you need to know for your final approval and preparing for closing on a home loan so part one just reviewed everything that you need to know in preparation for and what to expect it closing this let's talk about what's going to happen right before and during closing right before lenders will actually call your employer's they will make sure you still have a job so do not quit don't get fired don't change anything right before closing because they will literally call sometimes the date of closing most often it's usually one to three days before closing but it's not uncommon to do it the day up so do not quit your job secondly I depends on the program and lenders will actually check your credit to recheck your credit most of the time it's for inquiries they're seeing if it says BMW financial to see if you went out and bought that new car or maybe it's some furniture company Inc to see if you went out and financed a new fridge and so fun on all this other stuff they're looking for new debts if you haven't already at this point it may be too late check out the do's and don'ts do not go buy stuff right before closing guys wait till it funds and you're a homeowner then go get any more debt if you want until they just realize we're all your employer and we're actually gonna check your credit again may even check your balances so if credit cards have increased and you're right on the cusp of maybe not qualifying just be aware we may be calling you and we made you do the last-minute scramble what do you need to bring the closing who ever showing up you need to bring your driver's license or some form of government-issued ID if you're a foreign national you need to bring two forms of ID so whether it's a passport a green card whatever it may be be sure to bring that as well and if you're doing a power of attorney bring the original power of attorney so there's a whole section check that out talks about power of attorneys and if in a very rare case there's something that you need to bring for us maybe it's a final inspection from some sort of handyman or something that needs to get repaired that's more between you and your Realtor but if there's something we need obviously bring it as well there is the third video in this series it's all about the assets check that out down below call us with any questions