The signing of documents for a real estate closing typically occurs at the office of the title company for several reasons. First, it lessens the possibility of fraud or a later claim of fraud or incapacity in the execution of the documents because an employee of the title company actually witnesses the signing and notarizes any documents requiring notarization. Second, many lenders, and state law in some circumstances, require that the documents be executed at the title company office. Third, it is often more convenient for the parties (and expedites the funding of the transaction) because it eliminates the need to print or receive the documents, locate a notary to notarize any required documents and return the signed documents to the title company. Title Companies do understand, however, that there will be situations where individuals cannot make it to the title company office and other arrangements need to be made.
One option that is available is an outside notary. Because not all notaries are familiar with real estate documents, title companies typically require that any outside notary be approved by the title company. The title company will vet the notary or notary service for their experience in handling real estate documents, as well as their errors.
If you would like to use a knowledgeable title company conveniently located in the Heights, please give us a call.
Fidelity National Title, 1512 Heights Blvd., Houston, TX 77008 (713) 529-8800.