whats expected of the buyer

Homeowners Insurance
You will need to obtain a homeowner's insurance policy for the property you are purchasing. This is required by your lender. The agent of your choice needs to call Southern Title Services with information regarding your new policy as quickly as possible. This information is essential for the title company to prepare the final closing figures.

Cashier's Check
A cashier's check is required for any final closing cost amounts over $100.00 and should be payable to Southern Title Services.

Identification
At closing, you will be asked for a copy of your Driver's License, or some other form of identification that discloses your picture and signature.

Contractual Obligations
The sales contract should contain all agreements between the buyer and seller and must be signed and any changes initialed by both parties. Southern Title Services will prepare and conduct your closing only according to the terms agreed upon in your contract. If you have any questions about any item in your contract, please discuss this with your real estate agent. If possible, it is always best to get any issues resolved before getting to the closing table.

Miscellaneous
If you or anyone that is a part of your transaction will not be available to attend the closing, you must notify your lender and Southern Title Services at least 3 business day prior to closing. The absent person will be required to execute a "Specific Power of Attorney" to appoint someone to sign on their behalf in order to allow the closing to continue without that person being present. This procedure will also require the approval of your lender.