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Nearly everyone has heard the term "closing", but people often only know that it is an occasion where a lot of paperwork they don't understand is passed around and signed. The closing can take place at the bank where the loan was taken out, at the office of title insurance company, at the office of the lawyer for either the seller or the buyer, and occasionally somewhere else.

The closing on your new home or lot or farm property involves many different facets and many different people and it all comes together in your attorney's office if that's where the closing occurs. Your attorney will work with the real estate agent, the seller's or buyer's attorney, the bank or mortgage company, the title insurance company, surveyors, and a number of other people who are involved in the process. Our goal is to make the actual closing as smooth as possible by resolving any issues before you actually arrive at the closing table. Generally the buyer will need to bring two things with you to closing. The first is a valid form of identification since you will be asked to produce some form of identification at closing. The second item is a certified check for the amount of money required to close. In many cases, your attorney will not have a final figure for you until the day before closing. The seller will have to bring the deed, proof of marketable title, a residential property disclosure form if the property includes a home or rental unit, a mechanic's lien affidavit, a lead paint disclosure form, and a check for prorated taxes. Sometimes other documents are needed.

The buyer and seller usually attend the closing, but arrangements can be made for what is known as an escrow closing. There the documents are given to the attorney before hand and the closing proceeds without the attendance of one or more of the parties to the sale.

A settlement statement will be prepared and will set out the selling price, the down payment, the expenses to be paid by the buyer and seller and so on. At closing your lawyer will review the settlement statement and other documents with you and will be available to answer any questions that you may have concerning the closing of your new home.

I will be glad to assist you in selling or buying real estate. Just call my office and we can determine what needs to be done and give you a price for doing it.

Fayette Ohio Law Office
104 East Main Street P.O. Box 40
Fayette, OH 43521
(419) 237-2661

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