Closing Day.

                PRE-CLOSING.


Prior to your closing day, we will coordinate with you, your real estate agent, and your lender to schedule the closing.  Typically your lender will dictate the date and time of your closing, as closing cannot be set until the loan underwriting and approval process is complete.  Of course, we will work with all parties involved to accommodate your schedule to make the closing as convenient as possible.  Also, we do mobile closings.  So if it is more convenient, we can travel to your lender's office, your real estate agent's office, or another location to conduct your closing.  If you, your real estate agent, or your lender prefer we close somewhere other than our office, please let us know so we can coordinate appropriately.  If you have to bring money to closing, make sure that you bring those funds in the form of a certified check, as we cannot accept personal checks.  If you prefer, we can give you information so you can wire your funds to us,

                    CLOSING.


On the day of your closing, it is important to be adequately prepared so that everything goes smoothly. All parties whose signatures are required to execute loan documents or convey title to real property must attend closing.  Typically, if you are married, your spouse must also attend closing, although we'll let you know in advance if this is not the case.  If you cannot attend closing, please let us know, and we can make alternate arrangements, which may include preparing a power of attorney, which will allow a third party, perhaps a family member or your real estate agent, to execute the closing documents for you.  Of course, all parties must bring a valid driver's license or some other state issued identification.  If you are getting a loan to purchase your property, the closing will typically 45 minutes to an hour.  If you are paying cash for your property, closing should take less than 30 minutes.  

                POST-CLOSING.


After your closing is completed, we will take care of disbursing all funds related to the closing.  This includes paying any taxes currently owed on the property, any applicable governmental recording fees and transfer taxes, and lender required payments, such as homeowner's insurance, broker fees, and inspection fees.  In addition, if your got a loan to purchase your property, we will package and return to the lender all of the loan documents to ensure compliance with all of the federal regulations governing mortgage loans.  If you are a seller, we will payoff any mortgage owed on the property.  If you are a buyer, we will record your deed and deed of trust and return the original deed to you along with your owner's title insurance policy so that you will have both to keep with your personal records.  Of course, if you have any questions after closing, please call or email us, and we will be happy to answer any post-closing questions.