Can I Sign New Hampshire Assignment of Partnership Interest

Can i document type sign assignment of partnership interest new hampshire

everybody uh why don't we get started so uh before i hand this off to uh uh lorraine i'm off to uh angela and uh i wanna thank uh the panel our title panel for uh you know spending the time putting this together you know we're really fortunate as an organization to have the partnerships we have with cmg and great east and insurance and uh home warranty these people are really dedicated you know pretty much to our uh our our success right and their their whole focus is really on on helping us close more business and doing it in an efficient way with higher levels of customer satisfaction and especially at a time right now when the market is moving so quickly and the ability to be able to hand things off to really trusted uh vetted partners i think is is it's always been important i think it's more important today one of the things we're doing now is uh we're tracking where our buyers are coming from and this probably will be no surprise everybody but uh roughly 25 of our buyers now are coming from out of state uh over the last few months so we're going to be doing uh more work in tracking that and we're actually going to produce a heat map so you can actually see where people are coming from and i i suspect we'll be talking about this more in the town halls but uh you know this is really more of a sustained process now where there's an easterly right it used to be you know go west young man and now it's going to go east uh and there's really got more of a sustained easterly uh migration into our markets and again that's going to create pressure on our time and uh so being able to have trusted partners like like grady's title uh will be uh even more important uh in the uh months and years ahead so with that angela it's all yours hey guys thanks chris um we're gonna have some fun today with the panel from great east i'm really excited about this they're gonna take you um through the process from listing and closing and what you can do to help ensure that your client has a smooth transaction right so we're going to start off with michelle how michelle could you and mutant join me please good morning hi how are you i'm good how are you i'm super it's nice to talk to you this morning hey i found out something about you um you were a real estate agent the past 12 years in the keen that's pretty office so i'm sure that helps you um help the agents and help the clients because you can see all sides of the transaction as you're doing it absolutely so i started this new position with great east at the end of february um right before covid happened um and so the world changed but for the most part it's been very interesting and exciting to be learning a lot about the title aspect of the business and being able to look at that through the eyes of the agents i think it's really helped me to be able to um know what the agents need and what they expect from us from title so that's been really fun to see that my learning progression and how my relationship with the agents has changed oh that's awesome that's very cool thank you for sharing that with us i'm going to now do something people want me to do more often i'm going to sit over here and be quiet for a minute and i'm going to let you take this and run with it sure i don't lose my volume there sorry about that so thank you angela um so i'm going to talk to you about um the listing process so as i just mentioned i've been an agent for 12 years so i know what it's like to be getting ready to go on a listing appointment and as we were preparing for this presentation we realized that a smooth closing really starts right at the very beginning with the listing process and i know you all do your homework before you go meet with a potential client and part of that would be getting a copy of the deed as you know you can ask us for a deed anytime we'll gladly get you copies of deeds so take that deed and read through it before you meet with your potential seller it's important to know who the owner is and a lot of times people may not tell you on the phone oh yes i own this property in a trust or an llc or it's an estate you might have an appointment with somebody named john and you see that the property on the deed is owned by the estate of doris smith so you'll need to know who is john in relation to the estate who can sign for the estate or the trust or the entity and we'll get into that a little more in detail later on in the presentation one of my colleagues who is an expert on that stuff um so when you get to the listing appointment bring that deed with you you'll want to use that to ask certain questions at your appointment so you'll want to go over that with them who is the owner of record i can't tell you how many times you you know you go into a listing appointment and you see there are two people on the deed and you are met by one person you're touring the home you see oh there's only one set of clothing in the closet where did this other person go so that would lead into this question of um is there a divorce situation or is potentially somebody's passed away having the deed in hand i think will make it easier for you to ask those questions you know you can say i see that you took title with so and so can you tell me what's happened with that person and then on the other hand maybe you see there's one person on the deed and then when you arrive at your appointment you're greeted by a very nice couple so you'll want to find out is there a new marriage or is there a spouse that just was not on the deed and of course we all know with the homestead rights in new hampshire that spouse would need to sign the new deed transferring the property it's also really helpful to ask them up front what liens do they have on the property of course we all think about a mortgage but there's also other types of liens i've learned a lot about that in the last several months private mortgages and home equity lines were also familiar with but keep in mind there can be liens um like tax lien i've dealt with a lot of those lately even a lien that would be a ucc for a propane tank agreement or solar panels so those are the types of questions you want to find out now so you can help your seller obtain whatever information may be necessary throughout the process the other big key about reviewing the deed with your seller client is what is being conveyed go over the legal description with them have they made any changes to the boundary lines or rights of way or easements during their ownership is there more than one lot on the deed is all of that being conveyed if these are great questions to know up front because if we are going to need a new legal description you will have plenty of time then to get that done and lastly is the property in an association gather as much information as you can about that to go on to your disclosures and we will also need that as part of the closing process for prorations and etc all of these questions and probably more that you will go over at your appointment with your potential seller will help you to have the most thorough disclosure and we all know when it comes time to a buyer's agent writing up an offer they're going to have the most accurate purchase and sales if they've been given all the information they need including the deed and so to talk a little bit more about the purchase and sales i'm going to introduce you to catherine kessler from our main bangor region catherine thank you michelle you did a great job it is very important right in the beginning to get all of that information my name is catherine kessler and i cover the greater bangor region to the coast in machias or as a me constantly reminds me almost canada and i'm going to talk to you about the purchasing sale today and i want to remind you that this is a legal document that you are creating you have been provided many tools to create this purchase and sale particularly a clause library by zip forms use these clauses and be very careful when you write in contingencies we do not want any of you practicing law without a license so remember this is a legal document that you are creating names are very important on this legal document are there middle initials is someone a junior or the third does chip actually mean charles is chris christopher we need the name exactly how they would like to have it on the deed additional names on the deed are they going to put a child on for estate planning services to be able to make sure and take advantage of all the tax benefits we really need to know that when you write the purchase and sale agreement because we're copying from it and we're taking that information into the new deed now i would tell you rtd read the deed know what it says read that legal description particularly go down to the bottom i always cheat and look immediately at the bottom the accepting and reserving or in addition or meaning and intending can give you such a snapshot then go back and digest the pieces of the body of the description we want to make sure that you have read that know what is being sold is it all or part of what the seller owns we have one right now that were going forward they did a survey and the seller actually meant to add another property another deed but we didn't have it on the purchase and sale so our first knowledge of it was when the surveyor went out we need to know about those new boundary lines additional pieces of property that are going to be conveyed a lot of times we'll send out the title summary and then we get oh yeah i forgot oh yeah did you know about the other property so i am so pleased that we are sending out that title summary for you to review to give us that information before the day before the closing so that we can get all of that straightened out in your purchase and sale it asks you what type of deed type that you are conveying what the seller has is not necessarily what they are conveying do they have a choice yes does the buyer have a choice perhaps so considering all of those options and what can be done what they have isn't necessarily what is being conveyed for a deed type address that as speaking of addresses we would love to have addresses up front not only mailing addresses but email if possible there's so much information that we would like to gather ahead of time to be prepared we would like to know if all the parties are attending the closing and if that seller is not a main resident we would like to ask them if they're going to apply for a waiver because sometimes we have sent out closing statements the day before the closing and the seller is not happy that two and a half percent is being withheld when perhaps they might have qualified for a waiver we can address all of those things up front if we have the information all the information comes to us from the purchase and sale but also amendments and inspection contingency addendums please share all of this information both with the lender and with us so that we get that radon mitigator sold if there's a sale price change that may change the mortgage amount it may need to go back to the underwriting all of that information is part of the contract when you write it and it gets accepted so please share all of that as soon as you have it we really would love to have all of that information and information can also be gathered from us we are your in-house title department your partners please call on me or any of my team members to help you with any questions or concerns we are at your disposal and a lot of information comes from my team member amine nickel i would love to be able to introduce her to you now she covers the central main region ami as always catherine's a tough act to follow thank you for that um i am amie nico i do work out of the central maine region um i probably run into most of you along the way in this amazing career and i have recently taken over the main title exams i am a licensed attorney from just the state of maine with that i want to speak a little bit about some of the legal entities that you will see you do see daily for your contract whether they be your buyer or your seller just so that you can ask the questions and get the exact information that we really need to make a smooth closing happen early in the game most commonly lately because of covid and people not traveling we're seeing a lot of power of attorneys being used fire attorneys are great they mean that your actual buyer seller need not come to the table they can have somebody sit in in their stead please be aware that if that power of attorney is signing a document for us that is reportable which would be the deed or the mortgage so seller side signs a deed buyer sign signs that mortgage if the power of attorney is signing those documents for us we have to have an original power of attorney to record state of maine in new hampshire will not allow a copy to be recorded and we do have to show proof of right to sign on behalf of that person so do ask for a copy of that power of attorney right away when you hear there might be somebody signing with the power of attorney we need to make sure that it also conforms to statutory requirements in each state we actually recently had a file there was a power of attorney drafted i think it was wisconsin or something it was great in wisconsin unfortunately it did not conform to our statutory requirements for maine we had to have a whole new power of attorney drafted thankfully we knew that with enough time to get that done but it's really important to have these documents in for review it's also important to know who your actual contracted client is you are not contracting with the power of attorney you're contracting with that seller so if dave is your legal owner he's your seller and diane is your power of attorney best practice would be to have on that contract for sale dan by power of attorney diane that's going to let us know that the legal person we need to research is dan we don't really care about diane to be honest uh we want to make sure she is who she says she is but if she has personal liens or bankruptcies or whatever we're not going to search her name so we want to make sure we have the legal entity the legal seller's name on the contract at all times um the second entity we've been seeing a lot are trust it seems like buyers are buying more interest as chris mentioned people are coming from out of state all these people with millions of dollars that i want to know where they found it they're putting their properties into trust we've seen them for years but now it's just coming to the forefront trust can be tricky because we need to know where and when and who made the trust so we're going to ask for a trust certificate what that is it's literally one page and it says exactly that what's the name of the trust when was this trust created where was this trust created and who can sign for the trust you may have one person signing your contract and maybe that property is held in a trust maybe that trust means or it has been written so that three trustees must sign we have to know that you have all legal people who must sign on behalf of the trust on that contract we have to have everybody on that trust signing all of our legal documents so if you do have a trust just ask them right up front french trustee certificate if they do not have one but they have a full copy of the trust we can review that full trust and create a trustee certificate for them we have to charge for that service it takes a lot of time but it's better to know ahead of time what your buyers or sellers have on hand trust documents or trust certificate if you do hear the word trust just think i need something if you forget what that is just call us um just briefly michelle actually already touched on this for me the new hampshire homestead it is very important in new hampshire only majors can cover their ears because we don't care um but if you have a married couple doesn't matter what that married couple looks like might be husband wife husband husband wife wife whatever you need to ask the question if you go on that listing appointment and dave answers the phone and you have a meeting with dave but then diane is just lounging in a bathrobe it might be a little awkward but you need to know whether or not they are l gally married if they are legally married they both must sign off on that deed of transfer it's so that basically dave can't sell diane's home out from under her without her knowing um so it is a good law it's for protecting spouses but you do need to ask those questions it's better to ask ahead of time than get to the table and have diane storming in her bathroom throwing coffee at us um the next part that i want is a little bit more tricky so i do expect some phone calls on this along the way and that's the estate so when you have dead people it's really hard to have that conversation to begin with um but the most important thing we need to know is who the personal representative is of that estate there needs to be a legal document recorded for us in the registry of deeds it is the abstract of probate and it's going to literally say dave has died diane is now his personal representative that document means that diane can sign as if dave was reincarnated and now her she can sign all of your listing documents the contract for sale she will sign the deed but we do need to make sure that we have those documents for review ahead of time we need to know that if the property is in a state um we'd like to know that ahead of time because sometimes we're going to research this deed we're going to find a deed in dave's name we're not going to find any probate we're not going to know that dave has passed away so that does get very awkward so if you have a meeting with dave and suddenly diane answers the door please do ask where's dave we also need to have some proof of death if that probate has not been recorded which will bring us in to the idea of estate tax as well so if you have a deed that is joint tenants you have a meeting with dave you see your deed has dave and diane where's diane oh diane has passed away okay two things if they were spouses and diana's passed away we need to have proof of death so unfortunately it does make it a lot easier if you have the conversation right up front asking for a death certificate we don't necessarily need to have an original cop we just can have a scanned copy just showing the date of death we do want to note that in our deed of transfer to make sure that we don't have any missing errors popping up 15 years later in maine we do have an estate tax in maine so you need to have a discharge or state of maine estate tax it does apply even to a joint tenant who has passed away if the remaining joint tenant is not the spouse so if you have a brother and a sister or a mom and a son that are owning a property together and one of them is passed away and you think oh they were joint tenants who are good to go you are kind of you do need to get a discharge of that estate tax it's a very simple process honestly it's one of the better tax offices in maine and we're happy to help you with that as needed but it's much better to know you need that ahead of time rather than getting the day before closing and having to deal with a state office because that will delay your closing the last piece i want to touch on just briefly are llc's and corporations most importantly we need to know who can sign on behalf of that llc we need to know who they are and how they're related are they the manager are they the president are they just a member who will be signing our documents we need to know they have legal authority so we're going to have we're going to ask for a signature authority from that llc or corporation we also more importantly need to make sure that your corporation or llc buyer or seller is in good standing with the state of incorporation if they're a main llc it's real easy we just go online do a little research and it's right there for me um some other states if your llc or corporation client is not from maine or new hampshire and no no state locally please do ask upfront are you in good standing with your state can you provide a certificate of good standing for the state that you incorporated in some states don't have these search engines online for us some states charge for it so we do our best to do the research and googling on what we can but we certainly need to know what states they are incorporated in if it's not maine so do ask those questions please it's going to make things go a lot smoother from the get-go and as always me and all of my fantastic colleagues are here to help if there are questions there's always questions don't feel silly there's no silly question because i learned something new every day if i didn't my job would be very boring so please keep the questions coming and speaking of amazing colleagues i'm going to introduce from new hampshire region sarah glover for your next bit of information thank you and me so i'm sarah glover um i cover the new hampshire region um southern and um uh slightly mid so southern new hampshire and then up to concord and tilton so i just wanted to um follow up quickly because um we're talking here about two states um obviously maine and new hampshire and uh for new hampshire people generally speaking we do need an original death certificate the problem with new hampshire death certificates is that if you go to scan it to record electronically it doesn't accept it if you try making a photocopy of a new hampshire deed what looks like um what you have the original deed and you see nothing on it except that deed when you make a photocopy the copy comes out saying void across it so it has this secret little thing in it so we actually have to mail the original deeds to the registry in in many of our uh counties so i just wanted to clarify that for the for the new hampshire folks here so the key steps to a smooth closing taking control from the start and you're hearing this ad nauseum i know but it's really important i mean you know what they say this is like garbage in garbage out so if the very first stuff we get is um not accurate it's going to unfortunately has the potential to flow right through the transaction and the worst thing is if it starts to flow through the transaction and gets to a point where you know we're well into it so that's why we say from the start so as my colleagues have all said uh purchase and sale is our first um look at who these players are buyers and sellers um it's it's so helpful if if you're going to send us a purchase and sale which which i love it when when the agents i work with you know drop me an email and say here's the purchase and sale and then they say my clients are and they give me their names their email address their phone calls and they're working with and they give me the name and the contact information for the loan officer too so um and if they don't then that i have to bother them and send them an email and say who are you working with yada yada um so that's the the the basis of it the correct names again you've heard all about how to write in who a seller is uh same for who who's the buyer you know is it a is it a corporation buying is it is a is it an entity buying um where's the buyer going to get their money from so they can be getting it from squirreling away their savings and then bringing a check to the closing or maybe they're getting their funds from the sale of a property they're selling something if they are selling something again we'd love to know up front because then we can reach out to i mean it it could be us that's doing both sides in which case oh it's very very simple but if it's not us it's doing the closings of their sale we'd love to know who is so then we can reach out to them in good time and say hey you're closing with susie smith selling her house she's going on to buy with us you know four hours later so would you wire the funds to us her proceeds to us um so we can then put them towards her purchase um and so then we can have all that in place before before um in good time i would say um so the things that to reiterate are how they're going to take title um who needs to be contacted for the payoff uh what if there are trusts involved so as soon as we get that purchase on sale and we open up the order we're going to send out letters so often most often we don't have the contact information for the sellers immediately maybe we're trying to con we're contacting the listing agent we're asking them but that we want to get those letters out straight away so listing and um buying agents often will get the letter from us saying um congratulations on the transaction um here's a seller information document please pass it on to your seller and that's where they can the seller's going to tell us who who their more current mortgages with so we can pay it off um and uh it also says you know who it reiterates who's selling i i i had a super interesting um uh transaction fairly recently where as we got into the title work um we discovered that the person that was selling the property that was on the purchase and sale wasn't necessarily the owner of the property um when i had the conversation with the listing agent she she was she was great and she was very honest and she said oops i guess i should have found out who really owned the house before i listed it well good idea yes um so we would also like i think i'm all done with this slide if anybody wants to move off it we would also like to know if um the sellers how do they want their proceeds so in the same way as our buyers may be gaining their money to buy from a sale the sellers that we're dealing with may be going on to purchase so again we could move their proceeds over to the title company or the attorney that's doing their next closing big thing is everybody going to be at the closing even if there's a doubt we'd like to have that doubt brought up early because we we have certain procedures that we can put in place to make those closing remain smooth even without i have a closing on friday nobody's coming so you know i'm that both buyers and sellers are our mailways uh but we knew this early on so there is no no um worry when we find out a day or two three days before the closing that somebody one party is not going to be at the closing we have to initiate our very um legally termed scramble uh process which means we remain calm on the outside and we are scrambling in the office to make sure that nobody knows that we have only just been told that this is a mailway but it will go so thank you everybody and um thank you to all the agents that i work with also and it's a pleasure being with marciello i am now going to introduce danielle de felice she is back in maine so we're going back jumping back to maine good morning everyone sarah thank you um for those of you who don't know me i am danielle d felice and i cover york county maine again thanks for joining us today i'm going to talk a little bit about the actual closing so at this point in this transaction gradys has obtained all the information we need to proceed to closing title's been reviewed we've ordered seller payoffs um property taxes have been verified if there are final water and sewer readings we have them um and we are coordinating with the lender if there is one on the issuance of a final cd so let's talk about how you can help us make sure that we have a successful closing at the table there are a few documents that you are going to be receiving from great east for your review throughout the titling closing process reviewing these documents carefully will help us minimize any potential closing issues the first one you're going to receive is our title summary the title summary will be sent to you after title has been reviewed and cleared for closing this title summary will include any encumbrances on title such as any outstanding liens or easements more importantly this title summary will also have the legal description of what we are conveying this legal description is going to follow us throughout the entire closing so it's important that you review it to be sure that there are no errors and we are in fact conveying what all parties have agreed to i know that catherine touched upon this as well as we get closer to the table you will then receive both the alta settlement statement and the proposed deed for your review what should you be looking for when you send you these documents check the alta for accuracy is there anything that we're missing did we receive all the addendums if there are seller credits are they accurate are all items accounted for was there an invoice that we were supposed to pay outside of closing is it on there and of course just make sure that your commission is accurate if you have a buyer side paid commission do we have that information speaking of that let's stop here and talk a minute about the closing disclosure as you probably know the closing disclosure or the cd to cut it short is a collaboration between the lender and the title company these fees that you see on the cd come directly from the lender involved this is why you've heard all of us talk and stress about the importance of making sure that both your title company and your lender receive all addendums again including any buyer paid commission information on your file we do not want to potentially hold up any closing for any missing or information not received by either one of us we will also send you the proposed deed fear review at the same time you receive the alta settlement statement take a quick moment and just review the deed check to be sure we have the right spelling and addresses for your clients is the type of deed the same deed that was listed on the purchase and sale agreement and finally is the property description or exhibit a accurate now this should be pretty easy because you've already done this at the title summary standpoint for us at the same time the alt-select statement and proposed deeds are being sent to you the closing disclosures are being sent to both the buyers and the sellers in addition to that email our grady's team will personally reach out to make sure that there aren't any questions or concerns prior to closing it's at this time they were also going to remind all parties to make sure they have a valid current driver's license and that the check to closing needs to be a bank or certified check as always paid payable to made payable to great east title services speaking of check let's talk money as i mentioned prior to closing great east will contact your buyer to remind them to bring a bank or certified check to closing a wire transfer from their bank would also be an acceptable option again that takes a little bit of pre-planning so make sure we're reaching out to them to provide our wiring instructions please remember that all funds brought to the closing table must be guaranteed a personal check in most cases is not acceptable nor can you try to pay your closing fees or your down payment with a credit card trust us it's been asked money out all money out will match the settlement statement exactly and will be paid at the end of closing what do i mean by this if seller is abc enterprises llc the check will be written to abc enterprises llc and not any member of a limited liability company personally the same will apply to any trust or estate sellers the checks will be payable to the estate of hi danielle we've lost your sound thank you angela that's why it's important that that entity always does have a bank account so that there is some place to put those monies in what about title held by joe and sandy smith that check will be made payable to joe and sandy smith one step further what if joe smith doesn't want any proceeds and decides that sandy smith can have a hundred percent of them in circum circumstances we will split that check but only with written instructions signed by all title holders authorizing us to make that check split for a small fee a wire can also be issued for the proceeds of the closing if requested a signed notarized wire form will need to be submitted by the seller normally that can be very easily taken care of right at the table at closing please remember however that just because we are doing a wire out from proceeds does not mean it makes any difference to who the wire is payable to entity would still be the entity trust would still be the trust so check or wire the name has to mac exactly sarah did touch upon back to back closing so i'm not going o go over that again um just remember that they can be extremely successful as long as you let us know that a closing is being scheduled either prior to and in advance to our closing that way we can all coordinate to make sure the money gets where they need to be into whatever party needs the funds for closing so we've had a successful closing all the parties are leaving happy now what happens when your clients leave the table they will have a copy of the signed settlement statement the signed alta and the signed deed in hand a few days after closing they will receive a secured email from our post-closing department that secured email does have all signed copies of every closing document for them um as always if your clients are ever concerned about spam or if this is a real great east email reach out and let us know if there's even more for their concern we can always overnight or email those documents out to all parties involved not a problem at all so we've talked about everything you can do to ensure a successful closing but what about scheduling when will we actually schedule it for you with all finance transactions great ease will schedule a closing only after we receive the official clear to close from the lender letting us know that everything is okay and we can put this on our calendar when you're involved in a non-financed or cash transaction as soon as that title is cleared and we have been given the okay we'll go ahead and put that in our schedule for you again i thank you for your time and i hope to see you all at a grady's closing table very soon i am now going to turn it over to the amazing samantha braun thank you danielle so my name is samantha brown or sam for short and i work in the fabulous augusta and mid coast area um so i'm going to be talking about if buyers or sellers are not attending as chris mentioned hopefully we're going to see you know some out-of-state buyers coming to the state of maine the way life should be so what if they can not attend closing so first and foremost and i think we've mentioned this before it is so important to let us know if one of your clients will not be attending um that way we can start that coordination process and make sure it goes just as smooth as if they were attending in person um so for sellers we will send out a deed and anything else that needs to be notarized so as they mentioned before a wire out form if they'd like a wire that does need to be notarized so we'll send out the deed and that wire form and anything that needs to be notarized they have time to set up with a notary get it signed and send it back to us way before closing then we are able to utilize and i know in my area we're one of the only ones who utilize docusign so that allows the seller to docusign all the rest of the closing documents the day of closing which sellers really seem to like that flexibility get the deed and the important stuff out of the way and just have the docusign on the day of for buyers we have a difference between cash and finance for cash transactions we can docusign 100 of their signatures and buyers love that um they can wire in their funds docusign and they are all set for finance transactions we actually have a network of remote notaries that we can utilize that will schedule the closing with them to go to them execute the documents collect their funds and take care of overnighting it back to us this way if someone is purchasing in georgia they can sign in georgia and it will get back to us the next day and due to the current climate as well um both in maine and new hampshire we have remote online orderization available there's different um procedures and caveats with each state on that order um so i would say that if you think that that or any of these options for a buy or seller not attending to please reach out to any one of the great regional managers in your offices and i'm sure they would love to go over which options would be best for your client um so again just let us know we have multiple ways to work with anyone um you know and if they're not up to docusign then we you know have ways to take care of that as well so just feel free to reach out to any one of us and we will make sure it goes just as smooth as if they were here in person so i'm keeping it short and sweet today because i haven't had enough coffee so i'm going to pass it over to christine baker to go over closings in person thank you sam i'm christine baker and i service the seacoast area prior to working in title i was a realtor for many years as well everyone can see how things have changed since covid and some of the things that we do to ensure a smooth closing is we contact the buyers and sellers prior to closing and go over our protocol at this point we should know whether or not they'll be attending closing but sometimes things change and i'll go over that in just a minute as samantha had already mentioned we offer the mail away closings docusign remote online notarization through zoom and in-person closing in the office if it's an in-person closing we try to have as few people in the closing room as possible so a lot of times the buyers and sellers are closing separately we make sure that everyone is wearing masks we offer gloves or hand sanitizers we use as we use disposable pens we sanitize the room the table the chairs before and after the closing we also strive to send the documents the day before closing so that the buyers and sellers can review so we are spending less time at the closing table all of my colleagues will tell you that we all have stories uh to um make sure that we accommodate the buyers and sellers sometimes we've closed in cars parking lots garages homes i had one buyer who had intended on closing in the office two days prior to closing we were informed that he had been exposed to covid and he now needed to be quarantined we decided to change the closing to a remote online notarization the problem was is the day of closing his computer was so secure that he was unable to open the documents from both the lender and great east i was willing to put a hazmat suit on to go to their home and luckily it didn't come to that because i would have and they put a nice table outside for me they were inside their three season room with a sliding glass window i had a set of documents for myself and for them i had them sign as i went over each and every document through the window and then when everything was completed they passed everything through the window and everyone was safe and secure they could not have been more thrilled and i will tell you i was thrilled to accommodate so these are the things that would happen uh when using a great east title should these things arrive thank you for joining us and going over the steps for smooth closing thank you so much christine and to all of you this has been great i'm going to have um joanne join now and um kind of give us a little bit of a wrap up and any closing comments she might have but so much information that you guys have shared this is just super thanks angela um super job team great work i i really just want to close by you know thanking all of you for participating number one and number two i mean there are a few things that chris i saw you comment on the turnaround time yes i mean seven business days we'd like it to be less prior to this uh surge in activity it was less fast track title is alive and well certainly you should feel confident talking with your clients about the ways in which grady's title can assist them getting to the closing tables um smoothly if you have any questions about the process please call us we'll send out these slides you know your team they're in your offices they're a phone call away i i would be remiss if i didn't give a plug to the team behind the scenes who actually facilitates the seven day turn time me and marcus on the title side and our production team do a phenomenal job of buttoning up all these details so you know in closing thank you for entrusting us with your buyers and please don't hesitate to call if you're on the list side our job is to help you get to the closing table whether or not grady's title is involved is really immaterial okay oh i see a question so let me make sure oh thank you thank you everyone for the feedback we'll send slides out and look forward to working with you through the rest of the year thank you thank you i actually do have one question and it says don't we still have a three-day requirement for prelim cd to buy for lender transactions and somebody dated one day prior to all docs but you will get that excellent question um jeanne that that is stan's i see marks on the call just to clarify the closing disclosure is the lender's document the lender is required to disclose on a finance transaction three days prior the one day reference that was mentioned i believe by christine that's our team's protocol and and i do believe uh we're the only ones that do this a day before the closing when we're reaching out to go over you know not only closing protocols but confirm the details for the closing we are also emailing a set of closing documents to buyers for and sellers for review we do this for two reasons one limiting the time that they may have to spend at the table people are you know very varying levels of anxiety about coming to a closing table so minimizing time at the table and then also affording the client the opportunity to review very important documents in the privacy of their own space and ask questions outside of closing process so that's the one day reference the three day on the cd is certainly a lender regulation and still in effect okay great all right thanks let's um turn this back over to chris then again thanks guys thank you hey nice job that was uh that was excellent so much to be proud of uh with uh how we're taking care of our clients and how our partners are taking care of our agents and clients so nice job all the way hope you guys have a great rest of the week take care thank you