1. Settlement Funds
2. Identification
3. Proof of Homeowner’s insurance

Settlement Funds
We require a certified check, cashier’s check, money order, bank check, or teller's check. The settlement agent, your escrow officer, will provide you with the payment details prior to settlement. Only one check will be required for closing. This check will cover the total amount of your transaction and the settlement agent will disburse the funds to the required parties accordingly. Funds may also be wired into our account. Wiring instructions can be sent to you upon request. If you are bringing cash to your closing, we will accept cash in any amount, up to $10,000.00. Please limit personal checks to no more than $500.00.

With the HomeLink Advantage, you will have online access to a preliminary HUD-1 settlement statement 6-8 days after ordering your title insurance policy. Final closing costs will be available upon receipt of closing instructions and fees from your lender.

Identification
Photo identification is required at closing in the form of a driver’s license or passport. Lack of proper identification may delay or even postpone your closing.

Proof of Homeowner’s insurance

You will need to provide proof of homeowner’s insurance for the premises you are purchasing, effective the date of closing. If there is a lender providing purchase monies, the loss payee clause of the insurance policy must list your lender. Proof of insurance can be in the form of an insurance binder or insurance policy declarations’ page, and may be brought to closing or faxed prior to closing by your insurance agent.

If both you and your spouse will hold title to the property, you should both plan to attend closing. Additionally, even if you will hold title to the property individually (without your spouse's name appearing on the deed of conveyance), you may be required by your lender to include your spouse's signature on the mortgage or the note, in order to show spousal obligation. In this case, your spouse would still be required to attend closing, in order to execute the necessary documents.