Sales Contract – Patriot Title reviews the sales contract and determines your overall closing service needs. Any errors can be spotted quickly and corrected before the closing.
Title Examination – Patriot Title attorneys personally exam title for each transaction. This assures that the title is good and insurable.
New Loans – Patriot Title will be requested by your lender to prepare most of the loan closing documents and disburse your loan funds. Patriot Title has extensive experience in closing VA, FHA, SBA, and Conventional Loans, as well as any number of non-conventional loan types. Additionally, Patriot Title has extensive experience in closing and servicing construction loans for both residential and commercial real estate.
Title Insurance – Patriot Title can provide the title insurance policies lenders require, and also owner’s title insurance protection at reasonable rates.
Coordination – We arrange for the closing, and gather all pre-closing information on the buyer, seller, and lender. We verify the accuracy of all information before proceeding to closing.
Review – We will review the survey, termite inspection, septic and well tests, and other documents to ensure compliance with the contract and lender’s requirements.
Pre-closing – Patriot Title prepares all of the closing documents, from the deed to the loan papers, all to the lender’s precise specifications. This is usually a large number of documents, so accuracy and correctness are critical.
Closing – Once the information has been collected, verified, and all documents prepared, Patriot Title conducts the closing of the transactions through its trained, qualified staff. All documents are signed, and all financial matters regarding the sale are concluded. Since Patriot Title only accepts certified funds, disbursement of funds is immediate and guaranteed. After closing, Patriot Title disburses all monies collected, prepares loan payoffs, records all of the documents, forwards all loan papers to the lender, and pays any liens or taxes which are due.
Post Closing – Finally, Patriot Title updates the title after closing to ensure that all documents have been properly recorded, issues the appropriate title insurance policies and forwards to the lender and the buyer the final recorded documents.
Future Closings – Patriot Title also retains a permanent file on that property for future
transactions, ready to serve our customer’s needs again and again, saving the time and money