Our most popular service to consumers is residential
We perform closings for buyers of residential real estate anywhere
in New Jersey. We also perform closings for the refinancing of
residential properties We are called a "Closing Agent." In New
Jersey, a title agency or an attorney can be a Closing Agent.
As our customers' Closing Agent, we protect the buyers' interest
We arrange all of the documentation which is needed to transfer
ownership from one owner to the next, so that the buyers can take
title (That means "become the new owners.") without the risk of
fraud or undisclosed claims. Our highly-trained, experienced real
estate paralegals, who are trained in dealing with the intricacies
of real estate closings, methodically attend to every detail under
the supervision of a licensed, on-staff, attorney.
We examine every relevant particular of the Sellers' Title to
As Closing Agent, we protect the buyers' interest. We perform an
extensive search of all public records that affect the property,
followed by a careful evaluation of the documents by which the
seller "took title" to the property.
Commitment for Title Insurance
If the sellers' ownership appears to be genuine and in proper
order, we issue a Commitment for Title Insurance, in preparation
for the closing. The Commitment includes a very detailed report
about the title, some history about the property's past ownership,
and a detailed list of any liens that the seller must clear to
make the title insurable to the new owners.
We protect the Buyers' Funds
As Closing Agent, we are responsible for the safety of our
customers' money. We use our insured Trust Account to make sure no
money is paid out until we know that every detail has been
properly addressed. To do this, we collect, from our customers
(the buyers) the money that they will need to pay for the property
and for closing costs. All checks that we accept, must be
certified. This permits the money to be immediately available to
pay for the property. The mortgage lender's money will also be
entrusted to our Trust Account, usually right before the closing.
Before we issue any checks from our Trust Account, all closing
documents must be signed and notarized, and any documents brought
to the closing must be expertly examined for accuracy and
authenticity. All of the mortgage lender's requirements must be
met and the instructions on our Commitment for Title Insurance
(liens to be cleared by the sellers) must be satisfied.
We protect the buyers' interest
We don't go to closing until we are able to make it safe for the
buyer to close. The Commitment for Title Insurance, which we issue
to our customer, contains our specific promise to insure the title
after the closing has taken place. The specifics that will appear
in the Title Insurance Policy, are detailed in the Commitment. The
Title Insurance Policy which we issue following the closing will
give our customers peace-of-mind for as long they own the
property. The cost for the policy is paid, one time only, as part
of the buyers' closing costs. There are no premiums to pay
thereafter. The policy remains in force until the new owners
transfer title sometime in the future.
We make all arrangements of the closing
We also coordinate everyone who will be involved in the closing.
Even those who won't be attending.
We schedule the closing, based upon the preference of our
We arrange with the buyers' Realtor so that the closing can be
performed, conveniently, in the Realtor's office.
We arrange with the sellers, to be at the Realtor's office, at
the appointed time.
We arrange with the mortgage lender for the mortgage documents
to arrive in time so that we will be able to review them before
We arrange with the mortgage lender for the mortgage funds to be
deposited into our trust account right before the closing.
We arrange with the sellers and the seller's Realtor to bring a
current fire inspection certificate and certificate of occupancy
– if required by the town – to the closing.
When should you call us?
Right after you submit your offer to purchase, and before the
sellers have accepted your offer. It takes only one simple call to
(800) - CLOSING, from anywhere in the U.S. We will protect your
interest, and we will give you the help and guidance you need. Our
job starts when your transaction starts.
Our buyers always have access to our Network of experienced real
DIRECT TITLE customers always have the choice to consult with one
of our Network attorneys. Each is a member of the New Jersey bar
and is knowledgeable and experienced in real estate law. You may
elect to have a Network attorney review your purchase agreement,
and, perhaps, to intervene, in other negotiations. Electing to use
a Network attorney can be done at ANY TIME during your transaction
– even right in the middle. For instance, a Network Attorney can
be helpful in negotiating repairs disclosed during a home
Our Closings are "Neighborly"
Your property purchase should be a pleasant and exciting
experience. Teamwork, Cooperation and Communication are essential
to a smooth closing. Direct works closely with each customer's
Realtors and mortgage lender. We also work closely with attorneys
who may be representing sellers of properties being acquired by
We can arrange the seller's documentation, if we are serving
the Buyers as Closing Agent
Direct can arrange for the sellers' closing documents to
be prepared, at a very small cost, by a Direct Network attorney.
This service is available when DIRECT TITLE is the Closing Agent
for the Buyers in the same transaction.
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