A Quick Look Before Closing Day
When you’re selling a home, it’s completely normal to feel a bit anxious leading up to settlement. One thing I’ve found that helps calm nerves is knowing what to expect—especially when it comes to the documents you’ll be asked to sign.
Here’s a quick rundown of the typical items you’ll find in your deed package, courtesy of Amy Hotsur, our licensed title agent and manager at Classic Settlement Services:
Deed – This is the document that officially transfers ownership of your home. The title company holds it until the closing is complete, then they record it.
Owner’s Affidavit – Confirms you’re the rightful seller, there are no hidden liens or unpaid taxes, and no ongoing legal matters like divorce or bankruptcy that could affect the sale.
1099 Form – For potential IRS reporting. You’ll need to provide your Social Security number and a forwarding address.
Errors & Omissions – If something small gets missed or signed incorrectly, this form says you’ll help correct it.
Proceeds Authorization – Tells the title company how you’d like to receive your proceeds after settlement. Want a wire? Have your instructions ready.
Authorization to Sign – This allows me to sign on your behalf. It’s especially helpful since most of my sellers no longer attend settlement in person—a trend that really became the norm after the pandemic.
Authorization to Close Account – For mortgage payoffs, especially lines of credit, this makes sure the lender properly closes and satisfies the account.
Each title company might have a few other miscellaneous forms, but these are the core documents you’ll usually see.
I hope this helps you feel more confident and prepared. And remember—you can ask me anything, anytime. I’m here to make this process easy.
