Closing Policies

Remote signing, funds, wire verification, and POAs

A single place for the firm-but-friendly rules that keep closings on track. If your file looks like an exception, call us early — we'll find the right path together.

Closing Policies

What to expect for notary, funds, and POAs

A few firm but friendly rules so closing day stays uneventful. If anything on your file looks like an exception, call us early — we'll find the right path together.

Remote Online Notary Closings

Locust Grove Title and Settlements, LLC offers remote online notarization through Proof/Notarize when available and approved for the transaction. If your closing is eligible for a remote online notary closing, our office will provide instructions and a secure link.

You will need a valid government-issued photo ID, access to a computer or mobile device with a camera and microphone, and the ability to complete identity verification before signing. Our team will walk you through the process and let you know in advance if remote notarization is available for your closing.

Remote Signing Options

Remote signing options may be available depending on the transaction.

If you cannot attend closing in person, please contact our office as early as possible so we can review available remote or approved notary options.

Third-Party Mobile Notary Signings

When a remote online notarization through Proof/Notarize is not available or not appropriate for the transaction, Locust Grove Title and Settlements, LLC may coordinate a third-party mobile notary signing appointment through Bancserv or another approved signing service.

Bancserv is a nationwide mobile notary/signing service that coordinates real estate document signings through a network of qualified signing agents and can dispatch a signing agent or attorney throughout the U.S. Agents are pre-screened, tested, monitored, and rated, and may travel to a location convenient for the signer — home, office, or another approved location. The assigned notary is typically local to the signer's area and is selected based on location, availability, experience, and signing requirements. Bancserv also provides secure document delivery and upload features to support the signing.

A Bancserv/mobile notary appointment is not a traditional “mail-away” closing. Documents are not mailed to the client to be notarized independently and returned. Instead, our office coordinates the signing through an approved third-party service and the notary/signing agent receives instructions for the appointment.

Please contact our office as early as possible if you cannot attend closing in person, need a remote signing option, or believe a mobile notary may be needed. Availability, cost, timing, lender approval, title requirements, and document requirements may vary by transaction.

Funds for Closing

Funds required for settlement must be sent by wire transfer only. We cannot accept cashier's checks, ACH transfers, money orders, or personal checks for funds due at closing.

The only exception is earnest money deposits. Earnest money deposits may be accepted by personal check only if received at least ten business days before closing, so there is sufficient time for the funds to clear.

All wire instructions must be verified through our secure process. Do not rely on wire instructions sent by regular email. See our Wire Fraud Warning for details.

Power of Attorney

If a Power of Attorney will be needed or used for closing, please notify our office as early as possible. All Powers of Attorney must be reviewed and approved before closing, and additional lender, title, recording, or notary requirements may apply.

Waiting until the day of closing may delay settlement.