Whether you are purchasing a home or selling a house, knowing what to expect and being prepared at the “closing” can help eliminate stress and result in a pleasant experience. We understand how important this transaction is to you, and we are committed to consistently providing a level of service that prepares you for this final step in your real estate transaction.
Although the settlement process can vary from state to state, here are some common items that may be required from you at closing and can help your closing go as smoothly and quickly as possible:
VALID PHOTO IDENTIFICATION
Two forms of identification are typically required at closing, including one of the following:
- Valid U.S. driver’s license or non-driver ID
- Military ID
- Valid Canadian or Mexican driver’s license issued by the Official Agency
- Current United States or Foreign Passport
Foreign Passport must have been stamped by U.S. Immigration and Naturalized Service
WIRE TRANSFER
In the event you are required to bring funds to closing, please contact us for bank routing instructions to
wire the funds. If you will be bringing a proceeds check from another settlement, please contact us to verify the
acceptance of those funds – we do not automatically accept all checks.
Note: If you receive an e-mail or any other communication that appears to be generated from our company that contains new, revised
or altered bank wire instructions, consider it suspect and call our office at a number you trust. Our bank wire instructions seldom change.
HAZARD INSURANCE POLICY AND PAID RECEIPT
When purchasing a home by way of a new loan, a HOMEOWNERS/HAZARD/FIRE INSURANCE policy, with the lender designated as the insured holder of the mortgage, is required. When purchasing a home by way of CASH, Buyer is solely responsible for obtaining HOMEOWNERS/HAZARD/FIRE INSURANCE. Home Buyer is also solely responsible for the payment of said insurance.
ALL PERSONS WHO HOLD TITLE TO THE PROPERTY OR WHO WILL BE PURCHASING THE PROPERTY MUST ATTEND CLOSING TO SIGN DOCUMENTS
State-specific laws may require the spouse of the parties in title, even though their name does not appear on the
deed, to sign certain documents when obtaining a mortgage. If anyone is unable to attend closing, contact us to
arrange a Power of Attorney or closing by mail.
