Locust Grove Title and Settlements, LLC
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For Buyers

What Buyers Should Expect

Buying a home should feel exciting, not overwhelming. Here's what to expect at every step — and what to gather along the way.

Questions along the way? Give us a call — we're here to help.

Before You Make an Offer

  • Get pre-approved with your lender so you know your budget.
  • Choose a buyer's agent who knows the local market.
  • Decide who will hold settlement — you have the right to choose your title company.
  • Ask us for an estimate of your title and settlement charges.

As Soon as Your Contract Is Ratified

  • Have your agent send us the ratified contract.
  • Submit your earnest money deposit per the contract.
  • Schedule the home inspection and any specialty inspections.
  • Lock your interest rate with your lender if you haven't already.
  • Provide names of all buyers exactly as they should appear on the deed.

During the Contract Period

  • Promptly return any documents the lender requests.
  • Avoid opening new credit accounts or making large purchases.
  • Schedule the appraisal through your lender.
  • Order homeowners insurance and provide the binder to your lender.
  • Review the title commitment we send and ask questions early.

A Few Days Before Closing

  • Review your Closing Disclosure carefully — it must be issued at least 3 business days before closing.
  • VERIFY wiring instructions BY PHONE using a number you already know. Never trust wiring instructions sent only by email.
  • Send cleared funds by wire transfer only. We cannot accept cashier's checks, ACH transfers, money orders, or personal checks for funds due at closing.
  • Complete your final walk-through with your agent.
  • Confirm utilities will be in your name on the day of closing.

What to Bring to Closing

  • A valid, unexpired government-issued photo ID for each buyer.
  • Proof of homeowners insurance (the binder and paid receipt).
  • Wire confirmation for funds due at closing, if applicable (closing funds must be wired — we do not accept cashier's checks, ACH, money orders, or personal checks).
  • Your checkbook for any small last-minute items.
  • Any documents the lender or our office has specifically requested.

Ready to get started?

Send us your ratified contract and we'll handle the rest. You'll know what to expect at every step of the way.

Get in Touch

View our closing policies for remote signing, funds, wire verification, and POA requirements.