Over the course of his lifetime, between purchases and re-finances, Business Insider contributor Dan Miller has closed on at least ten mortgages.<br />Having learned from his experience, Miller always asks for a very specific document before closing day--whether the lender likes it or not.<br />The document is the HUD-1 statement: a list of all of the charges and credits to be paid by the buyer and seller.<br />Miller says that by inspecting the document beforehand, you can take care of any discrepancies in advance.<br />That way, people won't be pressuring you to sign on closing day.<br />So, feel free to tell your lender and real estate agent that you won't be attending closing unless you've received your final HUD statement!
