After your loan is approved, you are ready to sign the final loan documents. You must review the documents prior to signing and make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate. The signing normally takes place in front of a notary public. 

There are also several fees associated with obtaining a mortgage and transferring property ownership which you will be expected to pay at closing.  Bring a cashier's check or be prepared to wire transfer funds for the down payment and closing costs if required. Personal checks are normally not accepted. You also will need to show your homeowner's insurance policy, and any other requirements such as flood insurance, plus proof of payment.

Your loan will normally close shortly after you have signed the loan documents. On refinance loan transactions, federal law requires that you have 3 days to review the documents before your loan transaction can be funded, and it usually takes 1 more day to record the loan and close escrow.