Complete loan application and promptly furnish your lender with all requested documents and information. Purchasers should comply with these requests to avoid delays in closing.

Schedule the settlement date and time through your REALTOR and/or KEY TITLE. If any purchaser will not attend settlement, please contact KEY TITLE and your lender now for a pre-approved power of attorney. General powers of attorney may be insufficient because they lack specificity and precise language.

Obtain and provide a hazard insurance policy satisfactory to your lender. Bring a duplicate original policy to settlement.

Home, radon, and walk-through inspections should be scheduled with seller's representative by your realtor.

Determine who will order the termite inspection and ensure the certificate is delivered to the lender prior to closing.

Transfer all utilities into your name as of the date of settlement (or other date mutually agreed upon with seller). Ensure utilities will be on for your final walk-through inspection.

Bring to settlement: a certified or cashier's check payable to KEY TITLE for the balance of your down payment plus estimated closing costs, photo identification and your check book. Please advise us now if you wish to wire funds to KEY TITLE.

Confirm the settlement date and time through Key Title. If any seller will not attend settlement, please contact Key Title now to arrange for an approved power of attorney. General powers of attorney are usually insufficient.

Transfer utilities out of your name as of the settlement date, or other date agreed upon with the buyer. Be aware that utitlities cannot be turned off prior to the walk-through inspection.

Complete all home inspection items and repairs in accord with the sales contract. Bring all supporting receipts to settlement. Ensure appliances, heating air conditioning, electrical and plumbing systems are in normal working order.

Bring to settlement a photo identification, your forwarding address, social security number, garage door openers, and all remaining keys to the property.

Obtain wiring instructions from your bank and bring them to settlement if you prefer to have your proceeds wired. Seller's funds will be distributed upon recordation of the appropriate documents among the land records (usually within 48 hours of settlement).

Arrange for alternative transfer of your funds well in advance of settlement if you require it. If you require your funds for an immediate home purchase, we suggest it would be more efficient for Key Title to close your purchase.