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WHAT DO I GET AT CLOSING?

Settlement Statement, HUD-1 Form (itemizes services provided and the fees charged; it is filled out by the closing agent and must be given to you at or before closing)

Truth-in-Lending Statement

Mortgage Note

Mortgage or Deed of Trust

Binding Sales Contract (prepared by the seller; your lawyer should review it)

Keys to your new home


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Once an industrial town with an economic base in manufacturing, Baltimore's economy is now primarily service-oriented, with its largest employer no longer Bethlehem Steel but Johns Hopkins University and The Johns Hopkins Hospital.