select your interest.

Lenders & Mortgage Brokers

What we need from you:

1. Date and time of closing
2. Who is the insured for the title commitment
3. How the mortgagee clause should read, the borrower's name and the loan amount
4. If this is a first and/or second mortgage
5. What type of loan this is--FHA, VA or Conventional
6. If you require a survey
7. Method of delivery of loan package and from whom

What you may need from us:

1. Tax and homeowners insurance amount
2. Insured Closing Letter
3. Title Commitment
4. Wiring Instructions
5. Subordination Agreement
6. Preliminary HUD

*The above items you may need from us can be requested by submitting a Title Order.

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Real Estate Agents

What you need to provide prior to closing:

1. A copy of a signed contract along with any and all addendums
2. Contact numbers of the buyers and sellers
3. Name and number of lender/broker
4. Homeowners Association information, including contact name, telephone number and address
5. Fax a copy of the official wood and termite inspection report
6. All payoff information together with contact information for each loan, account numbers and social security numbers for all parties involved
7. If you require a survey
8. Information for funds being held in escrow at closing, if applicable

What you need to bring to closing:

1. Original signed contract with all addendums
2. Original home warranty
3. Copy of repair bills (paid/unpaid) if applicable
4. If earnest money exceeds commission, please bring to closing
5. Original official wood and termite inspection report

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Builders

What we need from you:

1. Survey
2. Certificate of Occupancy
3. Official wood and termite inspection report--cost and to whom**
4. Home Builders Warranty, if applicable--cost and to whom**
5. Percentage of house completed as of January 1st**
6. Payoff information, loan numbers, phone numbers and point of contact**

**Information needed prior to closing

What you may need from us:

1. Preliminary HUD

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Buyers

What you need to provide prior to closing:

1. A copy of the good faith estimate provided by your lender
2. Homeowner's hazard insurance information (Name of the insurance company, the premium and when it's due)
3. Social security numbers for borrowers
4. Copy of the executed Power of Attorney (bring the original to closing), if applicable

What you need to bring to closing:

1. Photo ID
2. Certified funds, if the amount due is more than $5,000. The funds can be made payable to you and can be endorsed at closing.
3. Personal checkbook, in case the amount needed at closing changes from the amount given to you by the lender or closing attorney.
4. Homeowner's hazard insurance with paid receipt or invoice showing the amount due to be paid at closing.
5. Any documents required by lender as conditions of closing (ex. Copies of tax returns, profit sharing, etc.)
6. Original executed Power of Attorney (if one party is unable to attend the closing), if applicable

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Sellers

Things to provide before closing:

1. Homeowners Association information, including contact name, telephone number and address
2. All payoff information together with contact information for each loan, account numbers and social security numbers for all parties on the loan
3. Names of all parties on title to the property
4. A list of all invoices for any repairs, if applicable
5. Fax a copy of clear official wood and termite inspection report
6. A forwarding address and telephone number
7. Copy of the executed Power of Attorney, if applicable

Things to bring to closing:

1. Photo ID
2. Home warranty information, if applicable
3. Original official wood and termite inspection report
4. Copy of repair bills (paid/unpaid), if applicable
5. Keys/garage door openers to the property
6. Original executed Power of Attorney (if one party is unable to attend the closing), if applicable.

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