{"version":"1.0","type":"card","id":"370325a8-4b21-46f8-a883-a0b492c643e4","url":"https://stacklist.com/card/370325a8-4b21-46f8-a883-a0b492c643e4","title":"What to Expect at Your First Closing","source_url":"https://www.consumerfinance.gov/owning-a-home/closing-disclosure/","note":"The CFPB's Closing Disclosure explainer walks through what to review before closing day, comparing it to the Loan Estimate, bringing certified funds, and doing the final walkthrough. Aimed at buyers going through the process for the first time in Duval or Clay County.","image":{"url":"https://ucarecdn.com/2d66df5a-e76f-4fc7-8212-e8199da12d9c/","alt":"What to Expect at Your First Closing","width":678,"height":452},"stack":{"id":"cf8e5c4f-4c17-4486-8559-c71f36c4bb79","title":"First-Time Homebuyer Guide for Jacksonville, Florida","url":"https://stacklist.com/c/home/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79"},"created_at":"2026-07-24T03:42:28.363Z","updated_at":null,"aco":{"summary":"This Closing Disclosure explainer guides homebuyers through reviewing their loan details before closing, highlighting key items to verify such as loan terms, interest rate, monthly payments, and closing costs. It warns about risky features like prepayment penalties and balloon payments, and advises borrowers to compare the disclosure against their most recent Loan Estimate.","tags":["closing-disclosure","mortgage","loan-review","homebuying","closing-costs","escrow","consumer-finance"],"key_entities":[{"name":"Closing Disclosure","type":"concept","confidence":0.99},{"name":"Loan Estimate","type":"concept","confidence":0.95},{"name":"Prepayment Penalty","type":"concept","confidence":0.85},{"name":"Balloon Payment","type":"concept","confidence":0.85},{"name":"Escrow","type":"concept","confidence":0.82},{"name":"Interest Rate Lock","type":"concept","confidence":0.75},{"name":"Closing Costs","type":"concept","confidence":0.9}],"classification":"checklist","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-24T03:42:36.980Z"},"token_counts":{"approximate":3676,"cl100k":2890},"content_hash":"sha256:3760930488eba68e7ff4740435c9e64a1b3f9103e71f28fa5e2e4c4371731f66","acp_version":"0.2","body_available":true,"body_tokens":3676,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/370325a8-4b21-46f8-a883-a0b492c643e4.json","html":"https://stacklist.com/card/370325a8-4b21-46f8-a883-a0b492c643e4","md":"/api/public/card/370325a8-4b21-46f8-a883-a0b492c643e4.md","stack_json":"/api/public/stack/cf8e5c4f-4c17-4486-8559-c71f36c4bb79.json"}}