Close with Confidence: How We Take It From Offer to Keys—Smoothly

You’ve found the home. Your offer’s accepted. Now what?

This is where the process really begins—and where a great lender makes all the difference. At Horizon Funding, we don’t leave you to figure things out on your own. From contract to closing, we coordinate every step, manage every detail, and make sure you always know exactly what’s happening.

We’re here to remove the stress, cut through the noise, and help you cross the finish line with confidence.

🔁 We Take the Wheel So You Can Breathe

Once your offer is accepted, we immediately begin pulling everything together behind the scenes:

• We collect all available invoices and third-party fees upfront (from title, escrow, insurance, HOA, etc.) so we can generate an accurate Loan Estimate for you—not just a generic quote based on guesses like many lenders use early on.

• We communicate with your real estate agent and escrow team to confirm timelines and required contract items

• We organize the final documents needed for underwriting and submit your loan for full review

• We keep you updated regularly so you're never in the dark about next steps

From here, our team works to keep your loan on track so you can focus on your move—not on chasing paperwork.

📆 Staying on Track With Deadlines and Milestones

Loan approvals involve lots of moving parts. Our job is to keep everything—and everyone—in sync:

• Title report clear? ✅

• Insurance policy confirmed? ✅

• Employment and income reverified? ✅

• Loan disclosures signed? ✅

• Underwriting final approval? ✅

• Closing documents on time? ✅

We keep your file progressing and update you as we check off each item.

🤝 Communication Is Our Superpower

We stay in close contact with:

• Your real estate agent

• Title and escrow officers

• Homeowners insurance provider

• Appraisal vendor

• Underwriting and processing teams

This includes following up on all third-party items, including the appraisal, to make sure they’re completed promptly and nothing delays your timeline.

You don’t have to manage multiple points of contact—we coordinate everything for you and keep you in the loop with your preferred level of detail.

🧾 What Happens Right Before Closing?

As you approach the finish line, we’ll walk you through:

• Your Closing Disclosure (CD)—a full breakdown of all loan costs and the amount due at signing

• Instructions for wiring funds or preparing your cashier’s check

• A short checklist of anything still outstanding

• A final walkthrough of your numbers—so you feel confident before signing

Then we’ll confirm your signing appointment and coordinate with escrow to finalize your closing.

🔑 You Get the Keys

Once everything is signed and funded, the deed records with the county—and the home is officially yours. That’s when you get the keys and the celebration begins.

You did it. We just made sure it happened smoothly.

💬 What Clients Say

“They gave me real numbers upfront—not just estimates that changed later. I knew exactly what to expect.”
– Refinance Client, Queen Creek, AZ

“My agent told me, ‘I love working with your lender.’ That says it all.”
– First-Time Homebuyer, Glendale, AZ

🎯 Bottom Line: We Close Like Pros—So You Can Celebrate

With Horizon Funding, closing isn’t chaotic—it’s coordinated. We handle the paperwork, the timing, and the communication so you can walk into your new home with zero surprises.

Let’s close with clarity. Let’s close with confidence.