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| Information can be found below on closing issues
for the seller, buyer, and refinancing the property:
Prior to your closing:
- Ensure that all requirements listed in the purchase agreement
are met
- Deliver the abstract to your closer or Realtor
- If you can, deliver a copy of your Owner's Title Insurance
Policy to the closer
- Discontinue automated mortgage payment withdrawals
- Make arrangements for inspections as required by your
municipality
- Notify utility providers that ownership has changed
- If your property has a septic system, secure a septic
certification
- Contact closer for special arrangements, if all parties
cannot be present at closing
- Contact closer if there have been any recent repairs and/or
improvements on property
What to bring:
- Picture ID and social security number
- Addresses for the past 10 years with the length of time
lived at each
- Any documentation that title company has required (e.g.,
divorce decree, marriage certificate, probate papers, etc.)
- Inspection report received from your municipality
- Septic certification, if applicable
- Keys and garage door openers
- Any information on appliances, warranty, and property,
etc. that may be helpful to the buyer
- If married, both spouses must attend
the closing
What to expect:
- Final settlement statement will be reviewed and signed
- Closing documents will be reviewed, signed and notarized
- Funds are collected and distributed
- Keys, garage door openers and other property information
is exchanged
Prior to your closing:
- Comply with all lender requirements for approval of a
new mortgage
- Determine your homeowner's (hazard) insurance needs
- Confirm loss payee clause
- Contact your insurance agent to determine coverage
needed
- Secure an original insurance binder and one year paid
receipt
- Call closer with premium amount
- Contact utility companies
- Contact closer for special arrangements if all parties
cannot be present at closing
- Contact Post Office for change of address
What to bring:
- A certified or cashier's check for the balance of your
down payment plus the estimate of closing costs provided
by your lender. This check should be made payable to YOU.
You can sign it over to us at closing. Any difference between
your check and actual closing costs will be adjusted at
closing by a personal check or refund. (Bring your checkbook
also)
- If you are using the proceeds from the sale of another
property for all or part of the cash required at closing,
a check from another title company is also acceptable
- Certified or cashier's check payable to you for the amount
due at closing
- Photo ID and another source of ID (for notary) e.g., military
ID, Costco, Sam's Club, etc.
- Social Security numbers
- Addresses for the past 10 years with the length of time
lived at each
- Conditions and any special documentation as required by
your lender
- Proof of Sale: Settlement Statement and Warranty Deed
(only if you sold a property to purchase this one)
- Insurance binder or policy and one year paid receipt showing
the amount of your annual premium. If you or your insurance
agent have any questions at all regarding the specific language
required on your binder, PLEASE CONTACT YOUR LENDER. An
incorrect binder can delay your closing. If you are in a
condominium or a townhouse where the insurance is paid through
an association we can assist you in obtaining the certificate
of insurance.
- If applicable, any other requirements of your lender such
as proof of debt payments, explanation letters, etc.
- If married, both spouses must attend
the closing
What to expect:
- Closer will collect conditions or documentation not previously
provided to you
- Final settlement statement will be reviewed and signed
- Closing documents will be reviewed, signed and notarized
- Owner's title insurance is purchased (if applicable)
- Information on homesteading your property is provided
- Funds are collected and distributed
- Keys, garage door openers and other property information
is exchanged
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