Real Estate Closing

So what exactly is a real estate closing?

This is where buyer and seller sit down face to face.

Ideally all parties involved in transaction will attend your real estate closing. If you are financing your purchase, the lender must give us a clearance to close. We provide our buyer the preference of date, time and location.

At closing buyer will bring one cashier’s check payable to the closing or settlement company or wire funds ahead of time. This portion of money must be available for disbursement at closing. Buyer and seller must bring valid photo i.d. to closing, i.e. driver’s license is best. Any charges to seller should be deducted from sale proceeds.

Folks at the closing table may include closer, buyer, seller, realtors, notary public and maybe attorney and/or lender. Your closer will have all closing documents for your transaction. There is no paperless society in real estate closings. There will be many documents for buyer to sign, and typically seller has a few documents to sign. You will want to verify your name is spelled correctly and sign documents exactly as your name appears. Many documents will be notarized for validation and recordation. Your closer can explain closing documents to you as you go through this signing process. If you see any items you don’t understand, now is the time to question them.

Next up, the money end of closing. Your cashier’s check must cover and match monies required from you for closing. We advise to wire the exact amount required for closing to your settlement company one day before closing. Checks may be handed out to any party present and receiving funding listed on settlement/disclosure statement. Seller payoffs are typically handled via overnight deliver or wire transactions.

Seller should deliver to buyer keys to the real estate along with any helpful tips on property. Buyer should verify utility companies have been or will be contacted immediately to transfer accounts.

Congratulations you are now the new owner of this real estate!


Talk about pressure, my lender provided me with a list of 1 recommended real estate closing company. I found the courage to speak up for myself and made the decision to select Westmoreland Paralegal Services for my closing company.

Janice Ritsko – Home Buyer

Gail worked with my schedule to set our meetings.  Before my real estate closing, she provided me with my itemize closing fees so I knew what to expect. Oh and by the way, I recommend Gail for your real estate closing.

Michele Fyock

I am a first time homebuyer. I thought I had financing lined up and it fell through. So I took Gail up on her offer to help. Gail worked with estate attorney, mortgage broker and myself to get my deal closed on my schedule.

Glenn Perry – Home Buyer

Gail was very easy to work with on the closing of our property.  She was professional, personable and very informative.  We recommend Westmoreland Paralegal to anyone who is buying or selling a property.

Barb & Travis Smeltzer

If there’s one thing Gail Malloy understands, it’s real estate closings. If there is one thing Gail Malloy does, it is DELIVER. She saved us $1,475.00. With Gail on your team, you know you will have a successful closing.

Craig and Melissa – Carlisle, PA

…just wanted to send a quick “thank you for all your help” in getting these documents filed in Westmoreland County. I just received UPS package with completed, filed documents…Greatly Appreciated

Adele – Title Insurance Services

Thanks for staying late to get that done. You went above and beyond and I really appreciate it. I know Luka and Ted do too. That was very awesome of you!!

Anthony Bompiani – Bompiani Law Group LLC

Thanks, Gail – we appreciate your excellent service, as always!!!

Kim – First American Title Insurance Company

….wanted a quick closing with title insurance BUT without attorney fees. That’s exactly what I received. Fast, friendly service and compatible to my busy schedule. Thank you and see you at the next one!

Devon – Investment Property Buyer