Tips for the Signer During a Real Estate Closing ~
We book 40 minutes per appointment. Your signing will usually take between 20-30 minutes, even with chatting and questions. If you would like to read the packet in its entirety/have an attorney/family or friend read, please reach out to your loan officer and ask for a full copy of the closing packet to review prior to close. During your closing,
we will review in detail your Closing Disclosure first and then give a brief explanation of each document as they are presented for signature. IDENTIFICATION:
Please make sure that you have a COPY of your ID to send back in the signed packet. Even if you have provided a copy of your ID previously, we are required to send a copy back in the packet as well. If you cannot make a copy prior to close, please text a picture to Deb Barclay at 517-974-8753 ASAP. Your packet is sealed and dropped after your signing, which does not allow time for the Signing Agent to go back to the office and print a copy.
***Acceptable forms of primary ID in the State of Michigan***To properly identify an individual you must have one of the following pieces of ID. This must be current and not expired. If you do not have one of these pieces of ID, or if the ID is expired (even by one day), the signing legally cannot take place. (MCL 55.285[6][c]
Driver’s License
State ID
US & Foreign Passport
US Military ID
Permanent Reside Card (aka Green Card) issued by the US Citizenship & Immigration Service
ACCOUNTING:
If you are receiving funds back at close and would like them deposited into an account, please have that information available and ready. Sometimes a check is the only option for disbursement, however if the option is available for a wire transfer/deposit and you would like to exercise that option, please have those numbers ready. Name of Bank
Account Number
Routing Number
Additionally, sometimes the lender will include an auto-pay form to have your payments automatically deducted from an account. If you would like to utilize this option, please have your accounting information ready:
Name of Bank
Account Number
Routing Number
Name(s) on the account (ex. John & Jane Smith or John Smith)
SOMETIMES: Bank address and/or phone number
SIDE NOTES:
* If you are closing in the evening, make sure your porch light is on during darker hours. It can be very difficult to not only see the house numbers, but also navigating outside in an unfamiliar area.
* Here at TKS Mobile Notary, we personally love animals and have no allergies. However, you know your pet better then we do. Please put them in another room if they are not friendly, otherwise, we are happy to visit with furry/sometimes non-furry babies.
