Clear up open issues

Fictional practice: Treat loan approval, title and insurance as three separate checks.

• The made-up appraisal (an expert’s estimate of value) supports $260,000. But the lender still needs one more document.
• The title report lists an access easement: someone else’s right to cross part of the land. Someone needs to explain what it means for you.
• The insurance price quote doesn’t mean you’re covered yet.

Who handles closing, how title works and which disclosures apply all vary. Confirm your real deal instead of using one checklist for everything.