Settlement Process

Smooth, enjoyable closings are our goal at Blue & Gray Title.

We'll carefully prepare the Realtor, Lender, Buyer, Seller, Insurance Company - everyone on your team - to assure the absence of problems.

Closings are pre-scheduled in advance for a time and place convenient for everyone involved. The day before closing, the Lender will send us final closing instructions, including schedules of fees paid & due, and other amounts to be paid at the closing.

From these instructions, we will prepare a Settlement Statement, a financial summary of the entire transaction, drafted in advance for your review.

We're always available to answer your questions about the closing, line items or other information on your Settlement Statement. Once we've prepared the Settlement Statement for you, we'll let you know exactly what to bring to the closing, including: A homeowner's insurance binder with proof of full first year coverage and payment for the first annual premium, a certified, cashiers or bank check (known to some credit unions) payable to Blue & Gray Title LLC, in the total amount needed at the closing. At least one valid photo ID and don’t forget all of the house keys and garage door openers.

On closing day, Buyer and Seller will be asked to sign documents such as the Deed, the Note and the Mortgage.

Blue & Gray Title will, once your closing is complete, record the Deed and Mortgage at the appropriate registries and prepare whatever policies of title insurance the Buyer has selected.

Fast, simple, accurate, straightforward and smooth. Isn't that what all closings should be?