Make sure the title company has the mortgage loan numbers, social security numbers, and a forwarding address for sellers. 

 

Check that there are no second mortgages or heat pump loans on the property, and if so, obtain loan numbers and contact information to obtain a payoff.

 

Provide the title company with a signed payoff request authorization from the seller.  Many mortgage companies won’t release payoff information without written authorization from their customer. Having this up front will greatly speed up the payoff process.

 

Let the title company know if anyone who is currently named on the seller’s deed is deceased and whether or not they had a will. 

 

Inform the title company if anyone who is currently named on the seller’s deed is in any chapter of bankruptcy.  If so, the seller will have to seek a court order from the bankruptcy court to allow the sale.

 

Inform the title company if the sellers are divorced or legally separated, and let the closing agent know if they need to be separated at closing.