What do I need to bring to closing?

We have a specific page dedicated to that question.
 

Please refer to the What to Bring page of our website.
 

Absolutely. The firm provides comfortable facilities for your young ones to watch TV or kid's DVDs during the closing.
 

Most lenders will approve the use of a Power of Attorney to be used in such circumstances, but only if they know in advance. If this is your situation, please notify us and/or your lender immediately. There is a fee associated with the creation and/or use of a Power of Attorney.
 

If your spouse/partner needs to come in at a different time, please call the office immediately to make arrangements. While we cannot guarantee that alternative arrangements are available in all circumstances, we will make every effort to accommodate your needs. There may be a fee associated with this service.
 

My spouse/partner needs to attend the closing, but cannot meet the scheduled date. What do I do?

You must reschedule your closing. Strict state and federal guidelines do not allow us to have multiple parties signing closing documents on different dates.
 

Lenders require termite inspections dated within 30 days of closing. The report should be updated.
 

Please call Mr. Lawler to discuss acceptable alternatives as soon as possible.
 

The difference lies in the insured party. A Lender's Policy protects the lender's investment (the loan) in the case of a title defect. An Owner's Policy protects the purchaser and their equity in the property.
 

Owner's Title Insurance is a unique product protecting the homeowner from defects or problems relating to the title of the property that occurred in the past, but are unknown until after the policy is purchased. These defects or problems can include third party claims to an ownership in the property, forgeries in the chain of title, open mortgage liens, errors in the county records, as well as a variety of others. While claims are rare, they do sometimes occur. Owner's Title Insurance is your shield against such claims, protecting your investment and giving you peace of mind.
 

I/We purchased an Owner's Policy when we bought the home.  Do we need to buy it again?

In most cases, this is unnecessary. However, if the equity in the property has increased dramatically due to appreciation, the policy limits may be exceeded. If you are unsure of your situation, please have your policy in hand and call our office.
 

Yes. You can purchase an Owner's Policy at any time. There are some requirements that must be met. Please call the office for details.
 

Please refer to the HUD-1 Settlement Statement from the purchase of the property. If you bought an Owner's Policy, it would be listed as a line item on Page 2, Line 1110. It should be listed as Owner's Coverage and include both a premium and a policy limit (usually the purchase price of the property). If you need assistance reading the form, please call our office. If you cannot locate the HUD-1 Settlement Statement from the purchase, you should call the closing attorney from that transaction and ask for the Post-Closing Department. They should be able to locate/reproduce a HUD-1.
 

Lenders require a Lender's Policy for every loan they make. Every loan is unique. Therefore, each loan requires its own unique policy.
 

A Quit Claim Deed is a multi-purpose type of deed that can do many things, depending on how it is worded. It can be used to transfer ownership. It can release a lien or a mortgage. It can create Joint Tenancy where none existed before. If someone is asking you to execute a Quit Claim Deed and you do not understand its purpose, seek the advice of an attorney.
 

In addition to real estate closings, the firm offers Wills & Estate Planning, Probate, Small Business Formation and Transactions, Dispute Resolution and more.