Make sure everyone on title signs off
Everyone listed on the deed usually needs to sign the closing documents. That can include a spouse, a co-owner, or a former partner.
Check your deed early to see whose names are on it. If someone has passed away or moved away, let the title company know right away. They can explain what's needed.
- Pull a copy of your deed and confirm every owner.
- Share each owner's contact details with the title company.
- Plan how out-of-town owners will sign.
Respond to the title company quickly
The title company checks ownership, orders payoffs, and prepares documents. They'll often send forms and questions along the way.
Quick replies help keep your date. Even a short note saying you're working on it can help.
It helps to save one email thread for all closing messages. That way documents and answers are easy to find when you need them.
Check your spam folder
Title company emails sometimes land in spam or promotions folders. That's often true for messages with attachments or e-signature links.
Check those folders every day or two while your sale is in progress. Add the title company's email address to your contacts. If you're expecting something, call to confirm it was sent.
A shared calendar reminder can help too. A quick daily check of your inbox and spam folder keeps small requests from waiting.
Payoff statements
If you have a mortgage or home equity loan, the title company will request a payoff statement. It shows the exact amount needed to pay the loan off at closing.
For most home loans, federal rules say the servicer must send an accurate payoff statement within seven business days of a written request. Some situations, like foreclosure or bankruptcy, follow a different standard.
You can help by sharing your loan numbers and servicer contact info early.
- List each loan or lien on the home.
- Share account numbers and servicer phone numbers.
- Let the title company know about any liens you're aware of.
HOA documents
If your home is in a homeowners association, the HOA may need to provide documents for the sale. These can include a statement of dues and a resale package.
HOAs can take some time to respond, so start early. Ask the title company which documents they need and who will order them.
Your title company may also ask for a recent HOA statement close to closing. That helps the dues get settled correctly on the closing statement.
- Find your HOA's management company contact.
- Ask about any transfer or document fees.
- Confirm your dues are current.
ID and notary
Closing documents usually need to be signed in front of a notary. You'll need a valid, unexpired government photo ID.
Make sure the name on your ID matches the name on title. If it doesn't, such as after a marriage, tell the title company early. Ask whether remote or mobile notary options are available where you live.
- Check that your ID is current.
- Compare your ID name with your deed name.
- Confirm the time and place of signing.
A quick final checklist
A few simple steps in the last week can make closing day smooth. This guide is general information, not legal advice.
- Confirm wiring or payment instructions by phone with your title company.
- Schedule utility shutoff or transfer.
- Gather keys, garage remotes, and codes.
- Remove the items you plan to keep.
General information, not legal or tax advice.