We recently sold our home and the VA loan for the buyer was processed through Southern Title by Krystal Bright. First point - this was done during a Pandemic. Probably not good timing on our part but it was something started before this whole mess. So let's back up on the criticism of the title company because it is not the title company who figures out what your mortgage payment is going to be. That is the mortgage company. Our buyer's mortgage company (and/or the VA) had the poor buyer jumping through hoops for 2 months and his financial disclosures kept changing the entire time. That had nothing to do with the title company. The title company's job is to take the gaggle of paperwork they eventually get from the mortgage company, check it, fix it if needed so it meets state and federal standards, and then put up with people at closing who may or may not be agreeable to start with.
Krystal and staff handled these responsibilities during a very difficult time flawlessly. She stayed late at the office the day before trying to get things set up and was running around at the last minute revising paperwork AGAIN because of the mortgage company changing the buyer's financials at the last minute. She got it all together and, maintaining "social distance" and sanitation procedures dictated by the situation, professionally explained everything to the buyer and us as we worked our way through the normal mountain of paperwork. When we finished, she got the information she needed from us and hundreds of thousands of dollars in equity we had was wired into and immediately available in our bank account shortly after 2:PM the same business day. When we left, we were given the first bound copies of our transaction we have ever been given. Usually, all you get is a stack held together with a binding clip and in a folder. What you get from these folks is literally bound very quickly after you are done. Amazing.
Also, there is a 3-hour gap between appointments now. Why? Because they have the whole office professionally cleaned between clients! Floors all cleaned and vacuumed, everything wiped down, etc. to protect all concerned against COVID-19.
So we could not have expected any more a professional closing than what Krystal and staff provided for us. Obviously, things change and nothing is guaranteed but, if we had to do it all over again, we would do everything possible to use this specific location to get our closing done right.
Thanks Krystal! read more