CHECKLIST FOR BUYERS
Prior to Closing:
☆ Provide a fully executed contract to Tiago Title.
☆ Provide another copy to the mortgage company that has been receipted by Tiago Title.
☆ Call the mortgage loan officer and arrange to make a loan application.
☆ Inspections of the property must be performed during the time limits set forth on the
Property Condition Addendum to the earnest money contract.
Must Haves at the Closing:
☆ A cashier’s check that meets “good funds” requirements, must be made payable to Tiago
Title and is required at closing. Tiago Title must have your mortgage company’s closing
instructions and/or any documents that your mortgage company has requested that you
produce at the closing.
☆ Bring your valid driver’s license or other government issued picture identification with
you.
☆ Ask for keys, garage door opener controls, and other security cards or access cards.
Preventing Closing Delays:
☆ Any bills for inspections to be paid at closing must be provided to Tiago Title prior to
closing. A charge paid directly can be shown on the Settlement Statement (HUD) if Tiago Title
is advised before closing that you want it shown as POC (Paid Outside of Closing.)
☆ If you want to examine your loan documents, please request that the mortgage company
provide the documents to Tiago Title at least three days early so that you may have a copy
for review.
☆ If you will not be present at the closing to sign documents and intend to use a Power of
Attorney, the following must occur:
* Tiago Title must approve the Power of Attorney prior to closing.
* Your mortgage company must approve it prior to closing.
* The original Power of Attorney must be delivered at closing for recording with the
County Clerk.
* We must make contact with you via telephone on the day of closing to be certain that
you have not revoked the Power of Attorney.
After Closing:
☆You will receive from the County Clerk’s Office the original recorded Warranty Deed that
transferred title to the property to you. Store this document for safe keeping as you may
need it in the future for reference purposes.
☆You will receive from Tiago Title an Owner Policy of Title Insurance. This document
should also be stored for safe keeping with your other important papers. Always verify
names and legal description of the policy prior to storing for safe keeping.
☆You will receive instructions about making your monthly loan payments from your lender.
If you do not receive the instructions in time to make your first payment, call your lender.
☆ If your lender did not furnish you with a copy of your appraisal at closing, please contact
them in writing or by telephone directly.
☆If your property taxes are being escrowed/impounded by your mortgage company,
forward any tax notices you may receive in the mail to your mortgage company so they can
pay the taxes in a timely manner.
☆It is the taxpayer’s responsibility to be certain that the property is rendered in the
taxpayer’s name for the upcoming tax year. Contact the County Appraisal District for
assistance in making sure this is done.
☆Make certain to contact your appraisal district directly for instructions on applying for
your homestead exemption.
