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 will take title to the property, including their marital status and name of spouse.   Florida is a “homestead state”.  When purchasing a homestead property, regardless of whether your spouse intends to hold title, your spouse must sign or join on any mortgage.

If the property being purchased is a Condominium, make sure you apply to the Condominium Association for approval of ownership.  Most condominium associations require a potential purchaser to be approved prior to closing.  You should also obtain a copy of the Condominium Association Documents prior to closing for your review.

If you’re taking 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.

Are any of the Purchasers or Purchaser’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.

Obtain all necessary insurance policies (Homeowners, Wind & Flood) and furnish a copy & paid-in-full receipt to Title Source USA.  If you are financing your purchase, your lender will normally require coverage in the minimum amount of the mortgage loan you are obtaining and must name your mortgage lender in the "mortgagee clause."    Once you set up your policy with your insurance agent, have your agent fax a copy of the declarations page to our office, along with a paid receipt, so that we can confirm this for the lender. Sometimes we are asked to remit payment as part of closing.  If so, please make sure to furnish an invoice from your insurance agent along with their mailing address for payment.

If you are relocating due to a company transfer and your employer is contributing funds toward your closing costs, please contact our office with the name and telephone number of the contact person at your company who is handling this on your behalf. We must have this information before closing so that we can give you an accurate estimate of the funds that you will need to bring to closing.

Miscellaneous Lender Required Information: It is not unusual for a Lender to require you to pay certain debts, write letters of explanation regarding your credit, or provide income tax information in order to obtain a loan. Sometimes these requirements will be taken care of directly between you and your lender. Please check with your lender prior to closing to verify whether there are any additional requirements.

Wood Destroying Organisms Report: Before funding your mortgage loan, many lenders require a satisfactory Wood Destroying Organisms Report (or WDO Report), sometimes referred to as a “Termite Report”.  This report is usually required to determine if the property has any visible structural damage from a prior infestation or visible, current infestation from a variety of wood destroying organisms. The report may be dated no more than 30 days before the closing. Typically, it is the buyer’s responsibility to obtain and pay for the WDO Report (See the Florida Association of Realtors' form contract).  Because some loan programs, like FHA and VA, require certain language to be on the termite letter, we recommend that you fax a copy of the WDO Report to our office before closing to help avoid delays or postponements due to missing language or outdated letters.

Have all inspections of the property scheduled well before closing.  Make sure your final walkthrough inspection is scheduled at least 24 hours prior to closing.

If your contract requires a survey or your lender requires one as a condition of your loan, order a survey from a registered land surveyor well prior to your closing date.  Title Source USA maintains a list of reliable surveyors and will be happy to assist you with the order. You can learn more about surveys below under "Optional Services to Protect Home Buyers." After you read this information, you may determine that you wish to obtain a survey before closing even if it is not required by your lender or in your sales contract.

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.

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

Confirm the driving directions to Title Source USA.