Make sure you or your Realtor submits the most up-to-date version of your sales contract to Title Source USA, Inc. This includes any and all amendments that affect the sales price, earnest money deposit paid, closing costs allocation or amount to be paid by seller, etc. The sales contract provides key information to the closing agent in preparing your closing.

Provide your closing agent with the full legal names of all parties who are in title to the property, including their marital status and names of their spouses. Florida is a “homestead state”. When selling and conveying a homestead property, regardless of whether your spouse is named on the title, your spouse must sign or join on any deed.

If you’re in title in the name of a Limited Liability Company, Corporation, Partnership, Limited Partnership or Trust, provide your closer with copies of any Articles of Organization, Operating Agreements, Partnership Agreements and Trust Documents prior to closing. These are required in order for Title Source USA to confirm your powers to convey the property on behalf of the aforementioned organization.

Provide Title Source USA with any instruments affecting title that may not be of record such as: Dissolution of Marriage, Property Settlement Agreements, Death Certificates, Copies of Probate Proceedings, Bankruptcy Documents, Satisfactions of Mortgages & Judgments, Name Change Documentation, etc. Some documents may seem of limited value to you as they occurred quite some time ago. However, remember your chain-of-title can stretch for decades and unrecorded matters sometimes lead to gaps slowing down your sale process.

The automatic debit of mortgage payments is common place in today’s society. Having your mortgage payment drawn from you account every month is a great convenience. Many times the departments handling this service for lenders are not directly in touch with your mortgage company’s servicing departments. So it might be a good idea to consult you lender prior to closing about terminating this service. Remember, Title Source USA will not be able to give you credit for any payment made less than 10 days prior to closing.

Are any of the Sellers or Seller’s spouses not going to be able to attend closing? If any party is unable to attend closing, they must either sign documents in advance or be represented by an attorney-in-fact at closing. Title Source USA, Inc. will need to review and approve any Power-of-Attorney prior to closing. You’ll also need to provide identification and contact information for the party granting the Power-of-Attorney.

If you have a mortgage or loans on the property you are selling, our office will disburse payoffs from the sale proceeds directly to the holders of those loans. (This is because you must convey title to the property "clear" of any such encumbrances.) This includes all first mortgages, second mortgages, and any equity lines of credit. In order to do so, we must obtain a written payoff statement directly from the Mortgage Company or lender holding those loans. We cannot do this without certain loan information from you, and we need this information as soon as possible to avoid delays and postponements of the closing.

We need:
The name of the lender(s) or holder(s) of the loans;
The lender's customer service telephone number;
Your loan number for each loan that is secured by the property; and
Your social security number.

If your property is located in a subdivision that is subject to a mandatory homeowners' association or condo association, it is necessary that we have information to contact the association's treasurer, secretary, or billing department. We must do so to ensure that all association assessments and dues for the property are paid to the date of closing and to arrange a proper pro-rata credit back to you for any dues that you have prepaid. If the property being sold is a Condominium, make sure the buyers apply to the Condominium Association for approval of ownership. Most condominium associations require a potential purchaser to be approved prior to closing. Give your purchasers a copy of the Condominium Association Documents prior to closing for their review.

Provide Title Source USA with your forwarding address. In handling your payoffs, we’ll need to provide your mortgage lenders with your forwarding address regarding refunds of any escrow deposits and overpaid amounts. We may also need to contact you for follow-up documentation.

Provide Title Source USA with the social security numbers or EINs of all parties conveying title. The Internal Revenue Service requires closing agents to either account for or report all transfers via 1099 or Certification for 1099 Exemption. In the event one of the selling parties constitutes a foreign national, please notify Title Source USA immediately so we may assist you with fulfilling the requirements of the Foreign Investment in Real Property Tax Act of 1980 (FIRPTA)

Make sure your closing funds are fully available in cash or cashier’s check. Title Source USA cannot accept personal checks or checks drawn on a money market fund. Please be able to provide Title Source USA with the bank branch phone number and contact person where you obtained the cashier’s funds.

Schedule your closing with the Buyers, Realtors, and Lenders and confirm it with Title Source USA, Inc. well prior to your expected closing date.

Confirm the driving directions to Title Source USA.