FAQ's

1. WHAT IF I AM UNABLE TO ATTEND THE CLOSING?

Closing documents can be pre-signed, mailed overnight, faxed or e-mailed to you prior to closing.

2. I AM MARRIED. WILL MY SPOUSE HAVE TO ATTEND THE CLOSING?

Florida is a Homestead state. This means that unless you are purchasing an investment property your spouse will need to attend the closing, provide proper identification and be prepared to sign documents. If you are obtaining a mortgage and your spouse is not on the loan they will still need to attend the closing.

3. WHAT WILL I NEED TO BRING TO CLOSING?

You will need to bring:

• Funds for closing in the form of a wire to AAA Premier Title Corporation
  
• Photo identification: valid state-issued driver's license, passport or state-issued identification card
  
• If you are married you will need to bring your spouse.
  
• If you are moving into a condo or planned unit development that requires approval you will need to bring an original approval to the closing if one has not been provided to us prior to the closing date.
  

4. CAN I WIRE MY FUNDS FOR CLOSING?

Funds for closing may be wired to our escrow account. Contact our office at 954-341-2121 for wiring instructions.

5. HOW WILL I UNDERSTAND THE DOCUMENTS THAT I AM SIGNING AT CLOSING?

Your closing agent will provide a brief explanation of each of the closing documents you are required to sign at closing. If you would prefer to personally read through all of the documents before signing, please contact us at least one week prior to closing and we will be happy to prepare a copy of your documents for review ahead of time.

6. HOW WILL THE SELLER RECEIVE HIS OR HER PROCEEDS?

Seller proceeds will be in the form of an escrow check payable to all parties named in the title. If you need to have your proceeds check split or payable to a different party we will need written authorization prior to closing. If you would like your proceeds wired into your account please provide us with written wiring instructions. These instructions must include your bank name, ABA/routing number, name on the account, and account number. A nominal wire fee may apply.

7. WHEN AND HOW WILL THE SELLERS GET THE ESCROW MONEY BACK FROM THEIR CURRENT MORTGAGE LENDER?

The lender is required to reimburse the money to the borrower that is held in escrow within thirty days after it receives the payoff. For more information about escrow refunds please contact your mortgage lender directly.

8. WHY IS THE SELLER'S PAYOFF SO MUCH HIGHER THAN THE BALANCE ON THEIR LAST STATEMENT?

The primary reason is that the payoff statement includes interest due from the last payment they made up to the date of the payoff. In some cases, if the payment for the month of closing has not been made prior to the closing, this could mean up to two months of interest will be included in the payoff. As an example, if the per diem interest on your mortgage is $25.00 that could mean an additional $1,500.00 above the principal balance that is due. Additionally, lenders usually charge statement and fax fees that could add up to an additional $60.00.

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