Driver Licenses:  All parties or borrowers who are involved in the transaction should bring to closing.  This should also be faxed with the title order and contract if possible.  This can reduce delays due to incorrectly spelled names. 

Fully Executed Contract:  A fully executed and signed contract is needed in order to process and close transactions.  Please include all pages, addendums, and disclosures.  Also any addendums that show seller’s contributions and/or credits should be provided in advance. 

Marital Status:  This is critical in the conveyance of property in Florida.  There is no legal separation in Florida, only married or single status.  Divorced persons claiming single status must provide copies of Court stamped Divorce Settlement Documents. 

Deceased:  If an owner on a property that is being sold or refinanced is deceased, you should provide a legible copy of the death certificate to close.  Additional documentation may be required. 

Mortgages:  Please inform us of any existing mortgages on the property.  This will allow us to request payoffs and prepare correct documents and figures.  Many lenders require the property owner's social security numbers and/or written authorization to release this information to the Closing Agent.  To avoid any delays, it is suggested that you provide this with the Contract or Title Order.    

Cash to Close:  It is our goal to provide a preliminary HUD1 the day prior to closing.  This is sometimes not possible because we do not receive the final instructions from the bank or lender until a few hours before closing.  As soon as these instructions are received we can move quickly to get the lender’s approval and finalize the HUD.  Only the client of the bank has the power to push their bank or lender to give us information faster.  

Checks:  Please inform us of how you would like your checks so that we will not be delayed in rewriting the disbursements.