Seaview Title wants to make your closing as smooth as possible.
This video explains what you may expect at closing, and what you should bring to your closing appointment.
In Florida, it is common for the buyer and seller to sign their documents separately and at different times.
Of course, you should plan to arrive a few minutes early, and be sure to bring one photo ID (driver’s license) and a 2nd form of ID issued by the government (passport, voter registration card, etc.)
Also, you should bring your paid homeowner’s insurance policy or a binder and receipt showing that the premium has been paid.
At closing, your escrow officer and/or attorney will review the settlement statement (known as the closing disclosure or HUD-1, depending on the type of transaction). This will reflect all the debits and credits (monies to be collected, charged, paid, or owed) for the purchase or sale.
The settlement statement will include information about the Realtor commissions, buyer’s down payment, pro-rations for prepaid taxes and homeowner’s or condominium association fees, as well as credits from the lender, and any which have been agreed between the parties.
The seller will provide proof of work completed, inspection reports, home warranties, and other information about the property, along with keys, access codes, garage door openers, and the like. Once you’re sure you understand all the documentation you will sign all the documents, including the deed, mortgage, promissory note, and other important documents and affidavits pertaining to the property.
The deed and mortgage will be recorded at the County Clerk of Court, and forwarded to the buyer with the final title policy within 30 days of closing.