Congratulations on your accepted offer! Below is a checklist of the important steps between mutual acceptance and receiving your keys.

Closing Team & Earnest Money

WFG National Title Company of Eastern Washington
25 W Cataldo Ave., Suite B
Spokane, WA 99201

Jessica Jones, LPO/Escrow Officer
509-227-6462
teamjess@wfgtitle.com

Make earnest money checks payable to:
WFG National Title Company of Eastern WA

*For wire instructions, contact Jessica or her team directly. Always verify wiring instructions by phone before sending money.

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Your First Deadlines

☐ Deposit earnest money within 2 business days of mutual acceptance 

☐ Schedule and complete the home inspection within 10 calendar days of mutual acceptance

☐ Review the inspection report and decide how to respond

☐ Submit and negotiate the inspection response, if applicable

☐ Apply for homeowners insurance within 5 business days of mutual acceptance 

*These are standard timelines. Please check your purchase contract to confirm the deadlines for your transaction.

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Loan & Title Process

☐ Complete your lender’s formal loan application

☐ Provide requested documents promptly

☐ Lender orders the appraisal

☐ Review the preliminary title report

☐ Receive conditional loan approval

☐ Complete any remaining lender requirements

☐ Receive final loan approval

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Preparing for Closing

☐ Review your Closing Disclosure

☐ Confirm the final amount needed for closing

☐ Arrange for your closing funds

☐ Complete the final walk-through

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Funds for Closing

Your final funds may be delivered by wire transfer or cashier’s check.

Wire transfer: Wires should be initiated before the scheduled closing date whenever possible, or first thing in the morning on closing day. Wire cutoff times vary by bank and closing company and may be as early as 2:00 p.m. Always verify wiring instructions by calling the closing company at a trusted phone number before sending funds.

Cashier’s check: Cashier’s checks may be subject to a hold before the funds are available. Please confirm delivery requirements and timing with the closing company in advance. A cashier’s check may not work for a same-day signing and closing.

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Closing & Possession

☐ Seller signs closing documents

☐ Buyer signs closing documents

☐ Buyer delivers final closing funds

☐ Lender sends loan funds

☐ Closing company submits the deed for recording

☐ Your agent confirms the purchase has officially closed

☐ Keys are released according to the purchase agreement

*A note about closing day: Signing, funding, recording and receiving keys do not always happen on the same day. Timing will depend on when the buyer and seller sign, when funds are received, the lender’s timeline, wire cutoff times, and the county recording schedule. If everything is not completed before the daily cutoff, recording and key delivery may occur on the next business day.

Recommended Local Providers

These are suggestions only. You are welcome to hire any qualified provider you choose.

Home Inspectors

Ask about optional services such as a sewer scope and radon testing.

Golden Star Home Inspections
509-720-6279
goldenstarhi.com

Pillar To Post Home Inspectors
John Caputo
509-720-7813
John.caputo@pillartopost.com
keithrobertson.pillartopost.com/meet-the-team

BPG Inspections
Dave Cass
800-285-3001
bpginspections.com/region/Spokane

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Homeowners Insurance

Tell the insurance provider you are purchasing a home and need a homeowners insurance quote. Once you select a provider, ask them to issue any insurance binder or proof of coverage required by your lender.

Western Insurance Associates
Chris Myers
509-279-0999

Country Financial
Damien Ramirez
509-325-3986

State Farm
Emily Osborne or Tara Caldwell
509-927-2886