· Real Estate
Purchase and Sale Contract: It is the blueprint for the entire
transaction. Real estate agents and attorneys are licensed to
provide these. He or she will make sure all the provisions are
to your benefit, and will add or delete some if they’re not.
Remember once the contract is signed, you’re legally bound to
the terms. The contract spells out the terms and conditions of
the purchase from the purchase price all the way down to who pays
the utilities until you take possession of the house. Don’t think
any pre-printed Florida real estate contract is written in stone;
rather it’s where the buyer and the seller begin negotiating.
It’s where your Florida real estate agent or attorney will be
invaluable to you, offering advice that can save you hundreds,
even thousands of dollars down the road. As a closing agent we
review the contract and close according to the terms agreed upon.
·
Our closers will review your contract with you to insure that
we have a full understanding of your transaction. All Florida
contracts require the issuance of an Owner’s Title Insurance for
the buyers and Mortgagee Title Insurance policies for the new
lender.
· Refinancing:
When you refinance an existing mortgage “it costs you money
or equity.” People refinance for many reasons. Whatever the reason,
the new lender will require a Mortgagee Title Policy to
be written on the new loan. You are eligible for reissue discount
on the cost of the new policy. If you provide the title insurance
company selected to do your refinance with a copy of your “owner’s
title policy”, you will receive a discount on the cost of the
new loan policy. You have the right to select the title insurance
company to close the new loan for you. If you do not tell
your new lender who to use, they will select a title insurance
company for you.
·
Mortgages: We can insure Title Insurance on all types of
loans, First or Second Lien position, VA loans, FHA, Conventional
(insured or not insured), City and State Assistance Loans, 1031
Real Estate Tax Exchange properties, Assignment of Mortgages, Gift
programs and more.
·
Residential, Commercial, Land Leased or Co-Op Properties:
We can issue Title Insurance on all property type’s.
Ownership and
Encumbrance Searches Chain of
Title Searches Lien Searches Tax
Searches Escrow
Services
·
Hold earnest money deposits and handle
post-closing escrow issues. In addition,
execute specific escrow agreements for the disbursements of escrowed funds.
·
Statewide Real Estate Closings and Settlement Services
·
All closings can be done in or
out of the office. We are flexible to your work schedule
and have early morning or evening
appointments available. To better answer all
questions and assure the customer
that we care enough about them, we perform all our
own closings.
·
Title Searches, Exams and Title Commitments
issued within 24 hours, when needed in a rush.
· Review the title commitment and ambitiously
clear all title related issues including satisfactions,
payoff, survey, municipal lien searches, estoppel letters, condo/co-op
and homeowner’s association
letters, insurance endorsements, and corrective documents.
·
Ensure accurate information on
mortgage payoffs, real estate taxes, survey fees, termite fees,
real estate commissions, home warranties, repair issues, possession
date, and homeowner’s
insurance.
· Quickly and accurately prepare closing
documents including the Settlement Statement issued
on the HUD (Housing Urban Development) form for your review prior
to closing. This minimizes
changes. Coupled with meticulously prepared closing documents we
ensure a smooth and easy
closing.
· E-mail Services are available
to save communication time and expenses, allowing faster closings.
· Personal closer/Processor
will act as your contact and liaison between our internal departments.
· All types of closings
for Commercial, Residential, Refinances, and Re-Sales;
· We have experienced staff
in all areas including; In house closing/settlement agents, funding
department, post closing department, recording department, and personal
account processors to
provide you with immediate and personal service.
· Immediate disbursement
of funds (based on lender approvals, if any).
