Buyer

Buyer Overview
Buyers Order Form >> CLICK HERE

After you and your Real Estate Agent have worked hard to find the perfect home, here is a brief outline of how Clear Title begins our role in the process:

1-Your or your realtor faxes or emails the purchase contract

2-Clear Title conducts a title search on the home to determine ownership and lien status.

3-We prepare a Title commitment or list of requirements necessary for seller to convey the property

4-Clear Title will contact you for verifying necessary information from you, the Buyer.

5-We use your completed Buyer letter to order evidence of your home insurance, survey if you request or your lender requires and to have the Deed prepared

6-We communicate thru-out the process with your Lender, Sellers or their closing agent, the Real Estate Agents and various inspectors and contractors which may perform services as a part of the sale.

7-Clear Title will receive your Lenders Final closing documents anytime from 1 week to the day of closing for use in preparing the Final HUD-1 or closing statement.   This is the  outline of closing fees, credits and amount needed from you for closing.

8-Funds for closing must be a Cashiers Check payable to “Clear Title” or by Wire to our escrow account 1 day before closing.  We can assist with an estimate of closing costs if necessary to assure closing funds are available from you at closing, as required by VA Law.

9-After all documents are signed, the lender will receive back the loan documents and Clear Title will initiate recording of the Deed and Deed of trust in the appropriate City/County Circuit Court. 

10- Keys- It is customary for sellers or their Agent to provide Clear Title, the Buyer or their Agent with keys, however a seller can withhold keys until completion of recording and disbursement.  Please discuss with your agent and Clear Title contact prior to closing.