“I can’t really say enough about your entire team of closers. This is by far the best experience I have ever had with a title company. They are marvelous to work with and extremely prompt with every response. My sincere thanks.”
We stay open so you can close.
eTitle offers home buyers flexible closing schedules. We will meet you anywhere, at anytime (including nights and weekends) and walk you step-by-step through the closing process – closings don’t have to be intimidating. Come as you are; we’ve developed a friendly, hassle-free closing process our clients prefer.At the closing, all the steps in buying a home – from the acceptance of the offer, title search, home inspection, buyer’s loan application to approval – come together in a final transaction. The documents are ready to sign, the buyer is ready to hand over the purchase price and costs, and the seller is ready to transfer title and the keys.
Usually held at the offices of a title company, such as eTitle, the closing takes about an hour. The meeting is always attended by the buyer, usually the seller (although his or her signature can often be obtained in advance), the agents and the title company representative, who acts as intermediary for the seller and buyer in the transaction.
What goes on during the closing?
First, the buyer reviews all the loan documents which describe the loan amount, payments and itemization of closing costs, including escrows for taxes and insurance. If everything is as it should be, the buyer signs the loan papers. Next, the buyer reviews and signs the title documents, making sure the deed from the seller is accurate (single tenancy, joint tenancy, husband & wife, etc.). By the time the closing is held, eTitle has already conducted title search and verified that the title is held by the seller, and that no liens are held against the property, except as shown on the title commitment.
Assuming that the funds are in order, the deed is correct and the title is clear, the final step is the disbursement of funds to the seller for the purchase price of the home and the presentation of the keys to the buyer.
What does the buyer need to bring to closing?
The buyer will be required to bring a cashier’s check, certified check, money order or wire transfer payable to themselves or the title company for the balance of the purchase price or closing costs, and a valid government issued picture ID, such as a driver’s license. Proof of insurance will also be required
Preclosing Activities
Preparation of Documents