Only pay attention to agents in Texas on this question. EVERY state has it's own way of handling closing. Only in very rare cases, where I'm dealing with a loan officer who is local, have I ever had the loan officer attend the closing. Usually, it's the buyers, me, and the escrow agent representing the title company. The escrow agent is a Notary, and so there isn't anyone else required. However, we can reach out to others, as needed, if there are concerns about the documents. If the process has been properly handled, all you are really doing at the closing is signing your agreement to the paperwork being filed, handing over a certified check to cover your closing expenses, and having a copy of your drivers license made. If the lender 'table funds', you can expect to take possession as soon as the escrow agent sends back the signed documents to the lender and confirms their receipt. If not, it may take an hour or two for 'funding'. You don't own the home until you hear the words 'we've funded'.