Residential
American Land Title is made up of some of the most knowledgeable and successful title professionals in the Texas Panhandle. We are committed to providing you with an unbeatable combination of local experience, personal relationships and over 30 years’ experience in the title industry.
We understand the unique requirements of each transaction and manage every closing with the needs of the client in mind. Every transaction is closed in a professional environment with helpful employees. We want your experience at American Land Title to be memorable and enjoyable. We want to be your title choice! Call us today for more information.
Residential Title Closing Services
Our title branch locations provide the following closing services in their respective communities:
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Closing of residential purchases.
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Closing of residential refinance transactions.
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Closing of new construction.
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Closing of land and land development projects.
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Closing of REO (foreclosure) properties.
Buyer’s Checklist
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Contact lender and get a pre-approval letter.
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Sign, initial, and date the “Earnest Money Contract” for Realtor to submit.
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Have Realtor help you schedule any inspections that are needed.
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Turn in all supporting documentation to lender to verify income and assets.
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Call insurance company to get homeowner’s policy on new home. Give to lender well in advance so they can prepare closing documents and forward invoice to title agent to pay.
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Provide Realtor with the contact name and phone number of your new mortgage company
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Give Realtor your home warranty choice.
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If property is to be your homestead, your spouse must attend the closing even if title will be in only one spouse’s name.
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Review title commitment and call title agent if you have any questions. Confirm that your Realtor scheduled a closing time.
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Check with lender for any additional instructions before closing.
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Bring all items to closing including current driver's license and either a cashier’s check made payable to the title agent for closing costs due or wire funds to title agent for closing.
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Come to closing and sign all documents. After lender has approved and funding has occurred, the closing is complete.
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Congratulations on your new home purchase.
Seller's Checklist
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Locate existing survey and provide to Realtor prior to contract.
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Tell Realtor if any of the following has occurred: Marital status since acquiring property, any additional loans against your property, abstract of judgments, bankruptcy, foreclosure, or any changes since survey for improvements.
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Sign, initial, and date the “Earnest Money Contract” for Realtor to submit.
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Provide Realtor with your social security number, your lender’s name, loan number, and phone number of loans on property.
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Have Realtor help you schedule any inspections that are needed.
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Review title commitment and call title agent if you have any questions. Confirm that your Realtor scheduled a closing time.
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Bring all items to closing including current driver's license, keys, warranties, and garage door remotes.
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Your spouse must also attend the closing and sign if property is homestead or jointly owned.
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Maintain homeowner’s insurance until after closing and signing all documents and funding is completed. Once this is finalized, you may cancel your homeowner’s policy.
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Bring wiring instructions for your bank to closing if you want your funds wired directly to your account.