Escrow Services

An escrow is an arrangement in which a disinterested third party, called an escrow holder, holds legal documents and funds on behalf of a buyer, seller, and/or lender and distributes them according to the buyer's, seller's and/or lender's instructions. There are two important reasons for selecting an established, independent escrow firm or title insurance company. One is that real estate transactions require a tremendous amount of technical experience and knowledge to handle the process smoothly. The other is that the escrow holder will be responsible for safeguarding and properly distributing the purchase price.

American Chartered Title & Integrated Loan Services, Inc., has Escrow Officers who are experienced and trained in real estate procedures, title insurance, taxes, deeds, and lender?s closings. The escrow process was developed to help facilitate the sale, purchase, or refinance of your home. American Chartered Title & Integrated Loan Services, Inc. accomplishes this by:

  • Acting as the impartial depository of documents and funds
  • Processing and coordinating the flow of documents and funds.
  • Keeping all parties informed of the escrow progress.
  • Responding to the lender's requirements.
  • Securing the needed title insurance policy.
  • Obtaining approvals of reports, inspections, and documents.
  • Prorating insurance, taxes, rents, etc.
  • Income tax reporting for the gross proceeds of the transaction.
  • Recording the deed, loan documents, and all other documents necessary for insuring the transaction.

The explanations above are designed to acquaint you with the escrow process and are based on relatively simple escrows. Every escrow is unique and most are more complex than explained. The Escrow Officers at American Chartered Title & Integrated Loan Services, Inc. are trained to deal with each individual escrow with the utmost care, confidence, and professionalism.

Title Insurance

You probably have several forms of insurance already. And you undoubtedly are familiar with insurance coverage on cars, life and medical bills. But title insurance?

When you buy a home, a condominium, any other type of building, or even vacant land, you should have a complete investigation made on every aspect of the property. Otherwise, you may discover that the property you bought and paid for is not actually yours at all. This is where Title Insurance comes in. The most accurate description of title is a bundle of rights in real property. A title search is the process of determining from the public record just what these rights are and who owns them. The search determines that the person who is selling the property has the right to sell it, and that the buyer is getting all the rights to the property (title) that he or she is paying for. A title insurance policy will insure the existence or non-existence of rights to the property based on the title search.

Title insurance is issued after a careful examination of all public records. This search includes a history of ownership on the land, tax, special assessment evaluation, and determination of possible unsatisfied mortgages, liens, and judgments. But even the most thorough search cannot absolutely assure that no title hazards are present, despite the knowledge and experience of the professional title examiners at American Chartered Title & Integrated Loan Services, Inc., Inc. Here are just a few of the most common hidden risks that can cause a loss of title or create an encumbrance on title:

  • False impersonation of properties true owner
  • Forged deed, releases or wills
  • Instruments executed under invalid power of attorney
  • Undisclosed or missing heirs
  • Mistakes in recording legal documents
  • Deeds by minors, or persons of unsound mind
  • Homestead Rights of spouses
  • Fraud Liens for unpaid estate, inheritance, income or gift taxes

A title insurance policy will insure the title against these hidden risks, along with others. Title insurance will pay for defending against any lawsuit attacking your title as insured, and will either clear up title problems or pay the insured's losses. For a one-time premium, an owner's title insurance policy remains in effect as long as you or your heirs retain an interest in the property.

What this means to you? The peace of mind in knowing that the investment you've made in your home is a safe one.

American Chartered Title & Integrated Loan Services

The "closing" is one of the final steps in the process of buying/selling or refinancing a home. It is when all parties involved, including the buyer and seller, meet to finalize the transaction and where purchase money and ownership documents, including the conveyance deed, exchange hands. The closing can only take place once all of the conditions of the real estate contract and the lender?s requirements have been met.

The location of the closing is typically at the Realtor?s office, Lender?s office, the buyer or seller?s attorney?s office, many times at the title company?s (also known as Settlement Agent) office, or even at the borrower's home. The title company will coordinate who should be there and at what time. If you are unsure about directions to the place of closing, don?t hesitate to call the title company and ask them for driving directions. A "trip tik" can be printed and faxed or mailed to you in advance. Most people are already a little nervous about the closing, and the last thing they need is to get lost on the way. Depending on your geographical area, all parties may or may not be present at the same time in a closing. The seller may sign all his/her documents at a different time than the buyer. This is known as an "Escrow Closing." In an Escrow Closing, the seller may or may not receive the proceeds check on the same day.

The other type of closing is when all parties are present at the same time. This is known as a "Round Table Closing." In this type of closing, the seller will receive his/her proceeds at the closing (table funding). Regardless of the type of closing, the documents signed will usually be the same.

When you arrive at the closing, you will be greeted by your Closing Officer or Settlement Agent and offered refreshments. Your Closing Officer or Settlement Agent is the one who will collect all the funds involved, including money due from buyer and the funds from the new lender. You will then be directed to a "Closing Room" or Office where he/she will explain each document to you, including a breakdown of all closing costs, also known as the set Settlement Statement.

The HUD1 Settlement Statement sets forth the net proceeds, amount due to the Seller, and the amount of funds needed to be collected from the buyer. The buyer should never bring a personal check to the closing. It is customary for the Title Agent and/or Realtor to let the buyer know ahead of time how much is needed at the closing so that he/she may bring a Cashier?s check.

Never sign a document that you don?t understand. Don?t hesitate to ask the Closer to again describe what the document means. Considering that he/she closes real estate transactions often, they are used to explaining documents over and over again, so you shouldn?t feel embarrassed about asking. If you are at a Round Table Closing, the Seller(s) will generally sign their documents first, but not always. It just depends on the practice of the Closing Officer or Agent. The Closing Officer/Agent will then witness and notarize various documents and ask you for your driver?s license or green card. You must bring a driver's license, passport or other acceptable form of identification with you to the closing. If you're uncertain about what form of identification to bring, please do not hesitate to ask your closing agent in advance of the closing.

Once all the documents are signed, the Seller, along with other parties due money from the transaction, may or may not receive his/her check. Sometimes the title company is funded by the buyer?s new lender after the closing and could take a few days. The buyer and seller will exchange keys to the property or arrangements will be made to do this at a later date. The Realtor may, at this time, provide information for changing utilities into the new buyer?s name, and other details relating to the sale may be settled at this time, such as arranging the removal of items from the house by the seller.

Sometimes it is necessary for the Seller to remain in the house for a while after the sale. If this is the case, generally a "leaseback" agreement is negotiated at this time. Once all the above steps are finished, your closing is complete! The Title Agent will now record the conveyance deed and/or the new mortgage with the county recorder for public record. The buyer should receive an owner's title insurance policy and the recorded deed, which will be returned to the buyer from the recorder's office, within a few weeks. A copy of everything that both parties will be signing will be provided at the closing. The buyer may be presented with a bigger package than the Seller, since the closing is a little more complicated for the buyer, and the buyer is required to sign more documents than the Seller.

Below is a list of documents that you can expect to sign at closing. This list is not all-inclusive, but it should give you an idea of the types of documents that will need to be executed.


  • HUD1 Settlement Statement
  • Compliance Agreement
  • Mortgage
  • Lender's Note
  • Truth In Lending
  • Survey Affidavit or New Survey
  • Final Good Faith Estimate
  • Interest Statement
  • Notice of Right to Cancel
  • Name Affidavits
  • Occupancy Affidavit
  • Various IRS forms
  • Completed 1003-Loan Application
  • Flood Insurance Notice


  • HUD1 Settlement Statement
  • Compliance Agreement
  • Conveyance Deed
  • Seller?s Affidavit
  • Gas and/or Pest Inspections
  • Home Warranty
  • Payoff Authorizations
  • Name Affidavits

Notarial Services

Loan Document Signing Services Anywhere, Anytime!
More than just Notaries!

We have the experience to get the closing completed and returned to you in a timely manner.

  • Building a Nationwide Signing Service
  • Mobile Notaries - We meet the borrowers at their home or office.
  • Professional Service
  • State-of-the-Art Technology
    • Online real time statuses
    • Quick Online Ordering
    • Instant notifications of witness signing
    • Loan Document Tracking
  • Loan Document Expertise

We can even arrange to have the loan docs picked up from your location and delivered back to you!

Experienced professionals providing vital and prompt Mobile Loan Closing services to the Mortgage and Title Industry. Mobile Loan Closings done in all Florida counties at any location.

Florida Land Title Association Member, American Land Title Association, National Association of Signing Agents, National Notary Association, American Society of Notaries Member.

Attorney Closings are also available. If you would like to have an attorney conduct the closing service, represent you, and have the comfort that each and every document that you have the borrower(s) sign is explained, then we have the ultimate service for you. Our experienced network of witness closing specialists and attorneys are only a click away. Please know that this type of closing service is not customary, and the cost of this service is additional to the fees quoted on this site.

We are experienced in all types of Loan Closings including Refi's, Purchases, Land Contracts, REO's (Foreclosed/Auction properties), Reverse Mortgages and Modular/Mobile Home Closings.

Easy to schedule! And we can confirm with Borrower/Buyer/Seller. Guaranteed to help lighten your load, we're experienced Mobile Loan CLOSERS not just Florida Notaries!

We have the experience to assist the borrowers in signing all Lender and Title Documents!

Quality Service Provided! We do our best to get your loans closed!

Florida Public Notary Services.

To schedule your closing/signing please call us at (407) 977-7200, or simply submit the information within our schedule closing form located on this site.

Title Products

Current Owner Search $75.00
Research current owner and provide copy of deed.
Current Owner & Mortgage Search $85.00
Research current owner and unreleased mortgages within current owner's ownership period. Copies provided.
Last Owner Search & Mortgage Encumbrance Report $80.00
Research current owner and unreleased mortgages of record - Owner's Registry of Deeds Report Provided
Owners and Encumbrance Report $125.00
Research current owner, un-released mortgages of record, district court search, lien search, bankruptcy search, tax search. - Full Property Report Provided.
Full Abstract / Chain of Title $200.00 & up
Full chain of deeds of record (cost depends of number of transfers.)
Interim Binder $125.00
Research current owner, un-released mortgages of record, district court search, lien search, bankruptcy search, tax search. - Issuance of a To Be Determined Commitment with requirements for insuring a new owner. Amount paid for Binder can be applied to a policy issued within 6 months.
Title Insurance Commitment See Rate