About Florida Title and Guarantee

Closing Hints

  1. Review Closing Statement prior to closing.
  2. Bring one legal form of photo Identification issued by a governmental agency (driver’s license, state issued ID or passport).
  3. Lenders may allow seller to pay buyer’s “prepaid items” (negotiable via contract).
  4. Lenders seldom allow credits on closing statements such as “lump sum” credits for closing costs or credit for repairs.
  5. Even though it is included in the contract, do not assume that the lender has approved it (i.e. seller leaseback, etc.). Check with the lender for special or unusual contract conditions and get approval for such in writing as soon as possible.
  6. Realtor or 3rd party paid items require lender approval and should be noted on contract.


Certain circumstances may cause delays in closing. You can help by notifying your Florida Title and Guarantee Agency closing professional if you are aware of any of the following conditions:
  • Bankruptcy
  • Death of property owners
  • Divorce or separation
  • Easements obtained or given since purchase of property
  • Existing contract or deed
  • Foreclosure
  • Foreign sellers
  • Guardianship or incompetence of seller
  • Known encroachments
  • Liens or judgments against property owners
  • Power of Attorney
  • Recent marriage of seller or buyer
  • Sellers or buyers that will not be present at closing
  • Shared driveways
  • Trusts