Buying a home comes with a lot of paperwork, especially when getting a home loan. It’s important to know what needs to be kept safe and what doesn’t need to be worried about. Below is the start of a list of mortgage documents to keep on file. 	
The Deed of Trust to Your Home
Your mortgage deed of trust will become part of public record in the county you live in, but having a copy of it is important. The biggest reason is that it will be necessary if you decide to sell later on. 
 
Homeowners Insurance Policy
While many insurance companies now offer apps that show proof of insurance, having a hard copy on hand can be helpful. This way you can verify your coverage and premium and refer to any changes you’ve made Buying a home comes with a lot of paperwork, especially when getting a home loan. It’s important to know what needs to be kept safe and what doesn’t need to be worried about. Below is the start of a list of mortgage documents to keep on file. 
The Deed of Trust to Your Home
Your mortgage deed of trust will become part of public record in the county you live in, but having a copy of it is important. The biggest reason is that it will be necessary if you decide to sell later on. 
 
Homeowners Insurance Policy
While many insurance companies now offer apps that show proof of insurance, having a hard copy on hand can be helpful. This way you can verify your coverage and premium and refer to any changes you’ve made to your policies throughout the years. 
 
Title Insurance Policy
If buying your home with a loan, title insurance is mandatory. This helps protect you as a homeowner in case there are any claims on your new house from a third party.
 
Appraisal
Your lender requires an appraisal, and this gives you an unbiased opinion of how much your home is worth. If you refinance your home, you’ll likely want to have a new appraisal done to see the appreciation compared to your original appraisal.	
Not everyone loves the paperwork that comes with buying a home, and many opt to close electronically. But, it is necessary to keep some mortgage documents on file just in case. Don't hesitate to reach out to me to discuss all of your options before deciding what type of closing you want to have.	
to your policies throughout the years. 
 
Title Insurance Policy
If buying your home with a loan, title insurance is mandatory. This helps protect you as a homeowner in case there are any claims on your new house from a third party.
 
Appraisal
Your lender requires an appraisal, and this gives you an unbiased opinion of how much your home is worth. If you refinance your home, you’ll likely want to have a new appraisal done to see the appreciation compared to your original appraisal.	
Not everyone loves the paperwork that comes with buying a home, and many opt to close electronically. But, it is necessary to keep some mortgage documents on file just in case. Don't hesitate to reach out to me to discuss all of your options before deciding what type of closing you want to have.