Frequently Asked Questions
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- What happens at the loan closing?
Please visit our Mortgage page for a detailed description of closing procedures.
- Can I get advanced copies of the documents I will be signing at closing?
The most important documents you will sign at closing are the note and mortgage, sometimes called the deed of trust. Unless there are special circumstances, these documents are usually prepared one to two days before your closing. Other documents are prepared by the closing agent the day before or the day of your closing. If you would like copies of the completed documents to be sent to you after they are prepared, please contact your Mortgage Loan Originator.
- Who will be at the closing of the purchase of my new home?
The closing agent acts as our agent and will represent Ascend at the closing. If you have any questions that the closing agent can't answer during the closing, ask them to contact your Mortgage Loan Originator by phone.
- I won't be able to attend the closing. What other options are there?
If you won't be able to attend the loan closing, contact your Mortgage Loan Originator to discuss other options. If someone you trust is able to attend on your behalf, you can execute a Power of Attorney so that this person can sign documents on your behalf. In other cases, we're able to mail you the documents in advance so that you can sign them and forward them to the closing agent.
- If I apply, where will the closing take place?
We can close your loan at one of the designated branches or the closing agent's office of your choice.
- How can I make my payments?
You can make your mortgage payments in one of the following ways: Automatic transfer from an existing account; online banking; Ascend's app; in person at a branch; or by mail.