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Pre-settlement Check List
Hazard Insurance Policy – Your lender may requires that a current hazard homeowner’s insurance policy be in place before your settlement.
Pest Inspection – Inspections usually have to be performed for purchase transactions. The sales contract indicates which party is responsible for the order and delivery of the inspection and invoice. Please note that inspections are typically required for loans closing under a Veteran’s Administration program. Check with your lender.
Lender Documents – To prevent possible delays in closing, it is imperative that the purchaser furnishes any necessary documentation to their lender for final loan approval. It is also a good idea to bring any documents you receive from your lender (estimates, truth in lending, lock−in letters, etc.) to closing.
Certified Funds – A cashiers or certified check made payable to Champion Title is required to cover closing costs and the remainder of your down payment. A wire transfer is also an option so please contact us for further information.
Photo ID – A valid government−issued photo ID, such as a driver’s license or passport , is required at all settlements.
Utility Notice – Purchasers must contact their utility companies to open or transfer power, gas, and water accounts. Utilities should be turned on for purchasers’ walk through so they can ensure appliances and heating/cooling systems are functioning.
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Our Homebuyer’s Guide offers an in-depth overview of the entire homebuying process, with information on what to expect before, during, and after you close on your property, as well as examples of unusual circumstances and events that could take place, and how to handle them. |
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Our Homebuyer’s Brochure includes a quick reference outline of the homebuying process, along with a clear and concise explanation of title insurance and the differences between Basic and Enhanced Owner’s Title Policies. |