{"id":811,"date":"2018-01-15T14:27:39","date_gmt":"2018-01-15T21:27:39","guid":{"rendered":"https:\/\/titlecompanywebdesign.com\/summerlintitle\/?page_id=811"},"modified":"2018-03-08T14:44:45","modified_gmt":"2018-03-08T21:44:45","slug":"documents","status":"publish","type":"page","link":"https:\/\/titlecompanywebdesign.com\/summerlintitle\/documents\/","title":{"rendered":"Documents"},"content":{"rendered":"<p>[et_pb_section admin_label=&#8221;Section&#8221; global_module=&#8221;93&#8243; bb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; specialty=&#8221;off&#8221; transparent_background=&#8221;off&#8221; background_color=&#8221;#2b3684&#8243; allow_player_pause=&#8221;off&#8221; inner_shadow=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;on&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; make_equal=&#8221;off&#8221; use_custom_gutter=&#8221;off&#8221; module_class=&#8221;tt-header-default&#8221; padding_mobile=&#8221;off&#8221;][et_pb_fullwidth_post_title global_parent=&#8221;93&#8243; admin_label=&#8221;TT &#8211; Fullwidth Post Title&#8221; title=&#8221;on&#8221; meta=&#8221;off&#8221; author=&#8221;on&#8221; date=&#8221;on&#8221; categories=&#8221;on&#8221; comments=&#8221;on&#8221; featured_image=&#8221;off&#8221; featured_placement=&#8221;below&#8221; parallax_effect=&#8221;on&#8221; parallax_method=&#8221;on&#8221; text_orientation=&#8221;center&#8221; text_color=&#8221;light&#8221; text_background=&#8221;off&#8221; text_bg_color=&#8221;rgba(255,255,255,0.9)&#8221; title_font_size=&#8221;50px&#8221; title_font_size_tablet=&#8221;40px&#8221; title_font_size_phone=&#8221;30px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; custom_padding=&#8221;60px||60px|&#8221;]<\/p>\n<p>[\/et_pb_fullwidth_post_title][\/et_pb_section][et_pb_section admin_label=&#8221;TT &#8211; Section &#8211; 1 Column &#8211; Default&#8221; bb_built=&#8221;1&#8243; fullwidth=&#8221;off&#8221; specialty=&#8221;on&#8221; transparent_background=&#8221;off&#8221; allow_player_pause=&#8221;off&#8221; inner_shadow=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;on&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; make_equal=&#8221;off&#8221; use_custom_gutter=&#8221;off&#8221; parallax_1=&#8221;off&#8221; parallax_method_1=&#8221;off&#8221; parallax_2=&#8221;off&#8221; parallax_method_2=&#8221;off&#8221; background_color=&#8221;#f3f3f3&#8243;][et_pb_column type=&#8221;2_3&#8243; specialty_columns=&#8221;2&#8243;][et_pb_row_inner admin_label=&#8221;Row&#8221;][et_pb_column_inner type=&#8221;4_4&#8243; saved_specialty_column_type=&#8221;2_3&#8243;][et_pb_image admin_label=&#8221;TT &#8211; Img &#8211; 01&#8243; global_module=&#8221;854&#8243; saved_tabs=&#8221;all&#8221; src=&#8221;https:\/\/titlecompanywebdesign.com\/summerlintitle\/wp-content\/uploads\/sites\/128\/2016\/08\/Depositphotos_7602932_original.jpg&#8221; show_in_lightbox=&#8221;off&#8221; url_new_window=&#8221;off&#8221; use_overlay=&#8221;off&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<p>[\/et_pb_image][et_pb_text admin_label=&#8221;Documents&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; saved_tabs=&#8221;all&#8221;]<\/p>\n<h2>The Basic Steps of Closing<\/h2>\n<h3>Starting the process<\/h3>\n<p>A sales contract is signed by the buyer and seller, and delivered to the closing agent, usually with a deposit check. The escrow is accepted by the escrow agent, often by written notation on the contract. The escrow agent starts the closing process by opening a title order. The file begins to be processed. Tax information, loan payoffs, survey (if necessary), homeowner\/maintenance fees, inspections\/reports, and hazard and other insurances as well as legal papers are ordered. A title search is ordered.<\/p>\n<h3>Title search and examination<\/h3>\n<p>This is a search made of the public records. Records searched include deeds, mortgages, paving assessments, liens, wills, divorce settlements and other documents affecting title to the property. Title examination is the examination of the documents found during the title search that affect the title to the property. This is when verification of the legal owner is made and the debts owed against the property are determined. Upon completion of the search and examination, a title commitment\/preliminary report is prepared, and reviewed and sent out to interested parties.<\/p>\n<h3>Document preparation and\/or request to produce<\/h3>\n<p>The closing agent reviews the new lender\u2019s instructions and requirements, reviews instructions from other parties to the transaction, reviews legal and loan documents, assembles charges, prepares closing statements, and schedules the closing.<\/p>\n<h3>Settlement or closing the transaction<\/h3>\n<p>The escrow or settlement agent oversees closing of the transaction. The seller signs the deed and closing affidavit. Buyer signs the new note and mortgage. The old loan is paid off. Seller, real estate agents, attorneys and other parties present at the closing of the transaction are paid.<\/p>\n<h3>Post-closing<\/h3>\n<p>After the signing has been completed, the escrow or settlement agent will forward payment to any prior lender, and pay all parties who performed services in connection with your closing (if they have not been paid). The transaction documents are recorded in the county in which the property is located. Title insurance policies are prepared and sent to the new lender and to you. This all happens without any further actions by the buyer or seller.<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243;][et_pb_sidebar admin_label=&#8221;TT &#8211; Sidebar &#8211; Default&#8221; orientation=&#8221;right&#8221; area=&#8221;sidebar-1&#8243; background_layout=&#8221;light&#8221; remove_border=&#8221;on&#8221; module_class=&#8221;tt-sidebar&#8221; saved_tabs=&#8221;all&#8221; global_module=&#8221;100&#8243;]<\/p>\n<p>[\/et_pb_sidebar][\/et_pb_column][\/et_pb_section][et_pb_section admin_label=&#8221;TT &#8211; Footer &#8211; Default&#8221; global_module=&#8221;124&#8243; bb_built=&#8221;1&#8243; fullwidth=&#8221;off&#8221; specialty=&#8221;off&#8221; transparent_background=&#8221;off&#8221; allow_player_pause=&#8221;off&#8221; inner_shadow=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;on&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; make_equal=&#8221;off&#8221; use_custom_gutter=&#8221;off&#8221;][et_pb_row global_parent=&#8221;124&#8243; admin_label=&#8221;Row&#8221;][et_pb_column type=&#8221;4_4&#8243;][et_pb_text global_parent=&#8221;124&#8243; admin_label=&#8221;Our Partners&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;center&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<h3 class=\"tt-section-header\">Our Partners<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row global_parent=&#8221;124&#8243; admin_label=&#8221;Row&#8221;][et_pb_column type=&#8221;1_4&#8243;][et_pb_image global_parent=&#8221;124&#8243; admin_label=&#8221;Image&#8221; src=&#8221;https:\/\/titlecompanywebdesign.com\/summerlintitle\/wp-content\/uploads\/sites\/128\/2017\/07\/partner-02.png&#8221; show_in_lightbox=&#8221;off&#8221; url_new_window=&#8221;off&#8221; use_overlay=&#8221;off&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; disabled=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221;]<\/p>\n<p>[\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243;][et_pb_image global_parent=&#8221;124&#8243; admin_label=&#8221;Fidelity&#8221; src=&#8221;https:\/\/titlecompanywebdesign.com\/summerlintitle\/wp-content\/uploads\/sites\/128\/2017\/07\/download.jpg&#8221; show_in_lightbox=&#8221;off&#8221; url_new_window=&#8221;off&#8221; use_overlay=&#8221;off&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<p>[\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243;][et_pb_image global_parent=&#8221;124&#8243; admin_label=&#8221;First American &#8221; src=&#8221;https:\/\/titlecompanywebdesign.com\/summerlintitle\/wp-content\/uploads\/sites\/128\/2017\/07\/First-American-Title-Insurance-Company.jpg&#8221; show_in_lightbox=&#8221;off&#8221; url_new_window=&#8221;off&#8221; use_overlay=&#8221;off&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<p>[\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243;][et_pb_image global_parent=&#8221;124&#8243; admin_label=&#8221;Image&#8221; src=&#8221;https:\/\/titlecompanywebdesign.com\/summerlintitle\/wp-content\/uploads\/sites\/128\/2017\/07\/partner-01.png&#8221; show_in_lightbox=&#8221;off&#8221; url_new_window=&#8221;off&#8221; use_overlay=&#8221;off&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; disabled=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221;]<\/p>\n<p>[\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row global_parent=&#8221;124&#8243; admin_label=&#8221;Row&#8221;][et_pb_column type=&#8221;4_4&#8243;][et_pb_divider global_parent=&#8221;124&#8243; admin_label=&#8221;Divider&#8221; color=&#8221;#e1e1e1&#8243; show_divider=&#8221;on&#8221; height=&#8221;40px&#8221; divider_style=&#8221;solid&#8221; divider_position=&#8221;center&#8221; hide_on_mobile=&#8221;off&#8221;]<\/p>\n<p>[\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row global_parent=&#8221;124&#8243; admin_label=&#8221;Row&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; use_custom_gutter=&#8221;off&#8221; padding_mobile=&#8221;off&#8221; allow_player_pause=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;off&#8221; make_equal=&#8221;on&#8221; parallax_1=&#8221;off&#8221; parallax_method_1=&#8221;off&#8221; parallax_2=&#8221;off&#8221; parallax_method_2=&#8221;off&#8221; column_padding_mobile=&#8221;on&#8221; module_class_1=&#8221;tt-footer-map-col-1&#8243; module_class_2=&#8221;tt-footer-map-col-2&#8243;][et_pb_column type=&#8221;2_3&#8243;][et_pb_map global_parent=&#8221;124&#8243; admin_label=&#8221;Map&#8221; mouse_wheel=&#8221;on&#8221; mobile_dragging=&#8221;on&#8221; use_grayscale_filter=&#8221;off&#8221; grayscale_filter_amount=&#8221;0&#8243; address=&#8221;1845 McCulloch Blvd N, Lake Havasu City, AZ 86403, USA&#8221; zoom_level=&#8221;7&#8243; address_lat=&#8221;34.7545998862101&#8243; address_lng=&#8221;-113.50407545351561&#8243;]<\/p>\n<p>[et_pb_map_pin title=&#8221;Havasu City Office&#8221; pin_address=&#8221;1845 McCulloch Blvd N, Lake Havasu City, AZ 86403, USA&#8221; pin_address_lat=&#8221;34.4782709&#8243; pin_address_lng=&#8221;-114.33766309999999&#8243;]<\/p>\n<p>1845 McCulloch Blvd, Ste A6<br \/>\nLake Havasu City, AZ 86403<\/p>\n<p>[\/et_pb_map_pin][et_pb_map_pin title=&#8221;Kingman Office&#8221; pin_address=&#8221;2535 Hualapai Mountain Rd, Kingman, AZ 86401, USA&#8221; pin_address_lat=&#8221;35.1916384&#8243; pin_address_lng=&#8221;-114.01858040000002&#8243;]<\/p>\n<p>2535 Hualapai Mountain Road<br \/>\nSuite C, Kingman, AZ 86401<\/p>\n<p>[\/et_pb_map_pin]<\/p>\n<p>[\/et_pb_map][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243;][et_pb_text global_parent=&#8221;124&#8243; admin_label=&#8221;Our Location&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<h3 class=\"tt-section-subheader\">Our Locations<\/h3>\n<p><strong>Havasu City Office<\/strong><\/p>\n<p>1845 McCulloch Blvd, Ste A6<br \/>\nLake Havasu City, AZ 86403<\/p>\n<p><strong>Kingman Office<\/strong><\/p>\n<p>2535 Hualapai Mountain Road<br \/>\nSuite C, Kingman, AZ 86401<\/p>\n<p><strong>Phone:<\/strong> <a href=\"tel:928-854-7756\">928-854-7756<\/a><br \/>\n<strong>Fax:<\/strong> <a href=\"tel:928-854-7059\">928-854-7059<\/a><\/p>\n<p>[\/et_pb_text][et_pb_text global_parent=&#8221;124&#8243; admin_label=&#8221;Open Hours&#8221; background_layout=&#8221;light&#8221; text_orientation=&#8221;left&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<h3 class=\"tt-section-subheader\">Open Hours<\/h3>\n<p><strong>Mon-Fri:<\/strong> 8:00am &#8211; 5:00pm<br \/>\n<strong>Weekends:<\/strong> By Appointment<\/p>\n<p>[\/et_pb_text][et_pb_button global_parent=&#8221;124&#8243; admin_label=&#8221;Contact Button&#8221; button_url=&#8221;https:\/\/titlecompanywebdesign.com\/summerlintitle\/contact\/&#8221; url_new_window=&#8221;off&#8221; button_text=&#8221;Contact Us&#8221; button_alignment=&#8221;left&#8221; background_layout=&#8221;dark&#8221; custom_button=&#8221;off&#8221; button_letter_spacing=&#8221;0&#8243; button_use_icon=&#8221;default&#8221; button_icon_placement=&#8221;right&#8221; button_on_hover=&#8221;on&#8221; button_letter_spacing_hover=&#8221;0&#8243;]<\/p>\n<p>[\/et_pb_button][et_pb_button global_parent=&#8221;124&#8243; admin_label=&#8221;Order Title Button&#8221; button_url=&#8221;https:\/\/titlecompanywebdesign.com\/summerlintitle\/order-title\/&#8221; url_new_window=&#8221;off&#8221; button_text=&#8221;Order Title&#8221; button_alignment=&#8221;left&#8221; background_layout=&#8221;dark&#8221; custom_button=&#8221;off&#8221; button_letter_spacing=&#8221;0&#8243; button_use_icon=&#8221;default&#8221; button_icon_placement=&#8221;right&#8221; button_on_hover=&#8221;on&#8221; button_letter_spacing_hover=&#8221;0&#8243;]<\/p>\n<p>[\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[et_pb_section admin_label=&#8221;Section&#8221; global_module=&#8221;93&#8243; bb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; specialty=&#8221;off&#8221; transparent_background=&#8221;off&#8221; background_color=&#8221;#2b3684&#8243; allow_player_pause=&#8221;off&#8221; inner_shadow=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;on&#8221; 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