For most real estate loans, you will receive a Closing Disclosure 3 business days before loan consummation - which frequently happens at the closing meeting. At the meeting itself you should receive a copy of your Mortgage Note - your obligation to repay- your Mortgage or Deed of Trust the binding Sales Contract and - in some states - you may get the keys to your new home. It's important to carefully review all documents during the closing meeting to ensure that all terms and conditions align with your expectations and the details previously agreed upon.