Buyers and sellers, or refinancers, must be at settlement. Their realtors will also attend as well, and in some cases, a loan officer or broker. Our attorney will conduct the settlement. Buyers, sellers and refinancers who can’t attend may appoint someone to act for them. The absent person must execute a power of attorney document. In some cases, settlement can be conducted on-line.

Fees are fixed based on the type of transaction (i.e. sales, refinances, home equity loans). Title insurance costs are calculated based on the sale and/or loan amount. Parties can expect to pay government recordation/transfer taxes. Borrowers will incur lender’s fees, interest and tax and insurance escrows at settlement. You will be told at least one business day before settlement how much is needed. All funds must be paid through a cashiers check or wire transfer. Title Calculator.