Closing a mortgage is a bit like the final stretch of a marathon. You’ve put in the miles—finding the property, securing the offer, getting your approval—and now you’re eyeing the finish line. But between that final “yes” from the lender and moving into your new home (or getting those refinance funds), there’s a whole lot of behind-the-scenes action operating within a ‘black box’ that most buyers and realtors never see.

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