What do I need to bring to the closing?

checkmarksA typical closing requires the following from the buyer(s):

Funding: We require the buyer(s) to wire funds needed or bring a Cashier’s Check payable to Valley Title and Closing Services to our office at the time of closing. Your closing agent will provide you with wiring instructions. We cannot accept cash or a personal check for closing costs.

Identification: At closing the buyer(s) will be asked to supply a picture identification that includes their signature.

The seller(s) will be responsible for the following items:

Mortgage Payoff Information: The seller(s) must provide Valley Title and Closing Services with the names, phone numbers and loan amounts for all current mortgage holders. It is important that we receive this information in a timely manner as it can take up to seven business days to obtain a payoff.

Identification: At closing the seller(s) will be asked to supply a picture identification that includes their signature.

Social Security Numbers: At closing, the seller(s) will be asked to supply their social security numbers or Tax Identification Numbers.

Confirmation of martial status: In accordance with Alabama State Law, a spouse’s signature may still be required even if the property was purchased prior to marriage.

Cashier’s Check: If the seller(s) is required to bring funds to closing, a cashier’s check made payable to Valley Title and Closing Services or a wire transfer of funds will be required.

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