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Closing Title

Closing Title

Closing Title
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Closing Title in and near Florida

Closing Title

It has finally arrived: Closing Day. All the principals involved in the sale of your new property have been called together and you are finally going to receive the title of your new property at closing

Your real estate agent had placed an order with the closing agent as soon as your sales contract was accepted. (This closing agent can be your title company, an attorney or an escrow company, and you may choose your own agent if you’d like.) This agent will oversee all the details of completing the transaction, arranging the closing and presenting you with the title to your new property without delay.

Closing documents

The closing agent will check that the contract or escrow agreement that has been drawn up is accurate and will put your deposit into an escrow to be used at closing. Then the title search begins where the title company searches public records looking for defects in the title (unpaid taxes, contractor’s liens, boundary disputes or a myriad of other glitches).When any problems from the property’s history are discovered, your title agent will do whatever possible to correct them. After the title is cleared, the agent will then issue a Title Commitment, a document detailing what the title insurance company will and will not cover.

If the contract calls for a mortgage to be paid off, the closing agent will order payoff figures from the mortgage lender. If the buyer is assuming the loan, the agent will order an Assumption Package (which shows the current loan status.) Other details will be seen to, like surveys and property inspections, with any problems reported to the appropriate parties for correction--all of these things are handled by the closing agent.

Then the time, date and place of the closing are set, all parties are informed, and everyone meets for the signatures and checks to be disbursed. Finally, at the long-awaited closing, you are given the title to your new property and perhaps even the keys to your new home.

www.homeclosing101.org has lots of information about property closing and conveying title.

Closing Title
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Closing Title
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