There's nothing more frustrating than covering all the details of a Real Estate Closing. All parties involved need certain documents and other information from both the buyer and the seller to move the process along. Even in a refinance, the borrower can assist greatly by having certain documents and information available at the beginning of the process. Household Title has put together a checklist of items needed for every residential closing. Our goal is to make even the toughest transactions go smooth. Please print this checklist and use it to make your closing a pleasant one!

Provide to Title Agent at beginning of process:

• Name of Seller's Real Estate Agent and Attorney plus Phone Numbers
• Name of Buyer's Real Estate Agent and Attorney plus Phone Numbers
• Seller to provide current deed to property
• Seller/Buyer or Borrower to provide current Owner's Policy and/or Lender's policy
• Borrower (refinance only) to provide old Survey.
• Seller or borrower (if refinance) to provide written authorization for Title Agent to obtain a payoff from any holder of existing liens, and provide Agent with Social Security Number and Loan Account Numbers for same or provide Title Agent with a current valid payoff statement of any lien holders.
• Seller or borrower (if refinance) to provide any documentation regarding any pending or dismissed court matters relating to the property, including divorces, judgment liens, etc.
• Seller or borrower to provide the most current paid county tax statement or any statements due.

Seller to provide a Purchase/Contract for the following:

• division of settlement charges, including insurance premiums
• earnest money terms
• bill of sale for any personal property
• required property condition disclosures
• real estate commission terms

Provide to Title Agent prior to closing:

• Buyer/Borrower to provide required hazard insurance policy with paid receipt or invoice
• Seller to provide any inspection reports and invoices; i.e.; gas/pest inspection
• Seller to provide any Home Warranty and invoice
• Buyer/Borrower and/or Lender to provide hazard insurance requirements
• Buyer/Borrower and or Lender to provide Lender's settlement charges
• Lender to provide escrow/closing instructions
• Buyer/Borrower to provide any Attorney's fee charged and any other charges to be paid out of closing
• Seller to provide any Attorney's fee charged and any other charges to be paid out of closing
• Seller or Seller's Attorney to produce New Deed for Title Agent review before closing
• Title Agent to provide to Seller and Buyer an itemized list of charges and amount due at closing.

Provide at Closing (Bring to Closing)

• Seller, Buyer or Borrower to bring any funds due at closing in the form of a certified check, cashier's check, money order or wire.
• Seller, Buyer or Borrower to bring Valid Photo I.D.
• All parties to bring any other items that have been requested in advance
  

Don't forget to ask for driving directions to the place of closing!