Proper Title Closing Appointment Options
During the COVID-19 crisis, Proper Title has led the way in providing safe alternative options for closing real estate purchase and refinance transactions. Learn more about our closing options by clicking one of the icons below:
Contactless
Curbside
in-office
Our Closing Goal During COVID-19
It is the goal of Proper Title to offer you the best closing experience within our industry. While we navigate the current COVID-19 pandemic, we’ve created the below processes and recommendations to keep you, your clients, and our team safe. We are here for you, and together we will navigate and get through this crisis together. Thank you for your loyalty and partnership. - Proper Title
Closing appointment process & Recommendations:
All closings: Curbside, Drive-In, Parking Lot, and In-Office require a scheduled appointment.
How to Schedule AN APPOINTMENT
or Email or call your Proper Title Account Executive
General closing procedures
Any party who will be participating in a closing must fill out a health form and submit for review and approval prior to the closing.
We are strongly encouraging the Seller(s) and Buyer(s)/Borrower(s) to obtain Power of Attorney from his/her/their respective attorneys to limit the number of people at the closing table (applies to purchases).
Seller(s) attorney can FedEx paperwork to his/her closing. If dropping off paperwork at an office, you must schedule an appointment.
Please arrive on time to closing appointments. Most closings are scheduled back-to-back and if your closing is delayed due to someone not being on time we cannot promise your time will be held.
Before arriving for a closing, alert your clients to the changes to the closing procedure.
Use a video chat app (FaceTime, Skype, etc.) to address any questions as they go through the signing process. If video isn’t an option, a phone call will work, but either way, you need to remain available to answer any questions as you normally would.
ProperContact is “contactless” and provides a safe and secure closing requiring no proximate physical contact with any other party to the transaction.
ProperContact is currently being offered for seller’s attorneys/customers or for cash purchases only (as of May 6, 2020). We will update you when additional options are available.
Please click below for a full list of requirements and steps for ProperContact.
Curbside, Drive-In & Parking Lot Closing Procedures:
A Proper Title Escrow Officer will deliver documents that need to be executed to the Buyer(s)/Borrower(s) car in the location’s parking lot or curbside, or the Buyer(s)/Borrower(s) driveway (driveway is for refinance only), as applicable.
Buyer(s)/Borrower(s) will need to provide a valid ID and their cash to close (check or wire information) to the Escrow Officer prior to signing. He or She will take a picture or make a copy of the ID.
Once documents are executed, the Escrow Officer will return to the office to process for the closing. If the Buyer(s)/Borrower(s) have a check for cash to close, it must be included with the documents.
Buyer(s)/Borrower(s) will need to remain in the car until funding approval from the lender (applies to purchase and same day refinances).
Once funded, the Buyer(s)/Borrower(s) will be notified by the Escrow Officer and allowed to leave. An overage check if applicable will be delivered to the Buyer(s)/Borrower(s) curbside post-closing. A copy of the closing documents will be delivered via secure email.
Curbside Refinance Closing Procedures
The closing/appointment must be scheduled as a Curbside request.
Processing will send all closing documents via email to the borrower. Please note that the borrower’s email address needs to be provided at the time of the scheduling closing/appointment.
A Notary will deliver documents that need to be executed to the borrower’s home with information on how to sign, color ink to use, and any other pertinent information.
Borrower will need to provide a valid ID and his/her cash to close (check or wire information) to the Notary prior to signing. He/She will take a picture or make a copy of the ID.
The Notary will then go wait in the car for the borrower to complete signing.
Borrower should review documents and reach out to his/her lender if he/she has any questions
Once documents are executed, the borrower should deliver documents to the Notary in his/her car. Notary will review documents to see if any signatures are missing. If all documents are approved, then Notary will leave and process the documents for funding.
In-Office Closing Procedures:
The only parties at an in-office closing should be the Buyer(s)/Borrower(s) who are unable to obtain a POA and who will need to sign the documents and his/her/their respective attorney.
With the lender’s authorization, Proper Title will send paperwork to the Buyer(s)/Borrower(s) and the respective attorney ahead of time to allow time for review and any questions.
*Tips To Keep Documents Sanitary:
Sanitize and/or wash your hands after handling signed documents.
Wear gloves when handling documents.
Clean and disinfect surfaces.
If you have any questions, please contact your Account Executive at any time. We are in this together. Stay healthy and safe.
Best,
Proper Title
* These are best practices only and are not intended as legal advice. Please consult your company’s legal or compliance artments for any COVID-19 related procedures.