You’ve signed the last document. You’ve got the keys. You’re officially a homeowner.
But now what?
A lot of buyers think the hard part is over once the loan funds, and in most ways, it is. But there are a few things that happen after closing that can catch people off guard.
Let’s walk through what to expect, so you’re not left wondering what’s normal and what needs attention.
1. You’ll Get a LOT of Mail (Some Legit, Some Not)
Within a week or two, you’ll start getting mail from:
Here’s the rule of thumb: if it looks urgent or sketchy, send me a photo before you respond. I’ll tell you what’s real and what’s junk.
2. Your Loan Will Likely Be Transferred
Most lenders don’t keep your loan long-term. They sell the servicing to another company and sometimes within the first 30 days.
That means your monthly mortgage payment might go to a different company than who you closed with. Don’t panic. You’ll get a “goodbye” letter from your original lender and a “hello” letter from the new servicer with your updated payment info.
Just don’t skip a payment, when in doubt, call me first.
3. Your Escrow Account Takes Over
If your loan includes taxes and insurance (most VA loans do), those payments are now handled through your escrow account.
That means:
If your payment goes up later, that’s usually why.
4. Your First Payment Date Might Be a Month (or More) Away
Let’s say you close on September 10th.
Your first mortgage payment isn’t due until November 1st.
Why? Because mortgage interest is paid in arrears, meaning your first full month starts the month after closing.
I always give my clients the exact date before closing so they can budget and plan ahead.
5. You Can Still Reach Out (Yes, Even After Closing)
This is probably the most important one. If you have questions about your escrow, payment, taxes, or anything that shows up in the mail, remember I’m still here. You’re not on your own now that the loan is funded.
Most of my clients become repeat buyers, investors, or refinance down the line, so staying in touch makes everyone’s life easier.
Real Talk: The Mortgage Doesn’t End at Closing Instead It Just Changes Shape
You’ve got a new home, a new payment, and a few new responsibilities. But none of it should feel overwhelming if you know what’s coming. And if anything doesn’t feel right, I’m still just one call away.
