Items to Bring to Settlement

Buyers (of Real Estate)
1.	Each buyer must bring a government-issued identification that contains (1) his or her photograph, (2) his or her date of birth, and (3) an expiration date.	A portion of the federal government's Patriot Act requires that we obtain a copy of each buyer's ID for our file. If a buyer is borrowing money, then the lender will also require that we send them a copy of this ID.
2.	Each buyer must bring documentation of his or her social-security number (or tax-identification number).	Depending on the location of the property that is being purchased, each buyer may have to provide his or her social-security number (or tax identification number) on an affidavit. If a buyer is borrowing money, then the lender will require this number as well.
3.	If a buyer is bringing his or her own funds to the settlement, then those funds must be either (1) certified funds (i.e. a certified check) or (2) deposited with our office no later than seven days prior to the settlement date.	We make a complete disbursement of all funds on the day of settlement. If you bring a personal check on the day of settlement, then those funds cannot be disbursed until the applicable clearing period has elapsed. If you arrive to settlement with a personal check or cash, then the settlement will likely be postponed. If you bring cash to settlement, then we cannot disburse until our bank verifies and deposits the cash.

*Borrowers* (doing a Refinance or Second-Mortgage)
1.	Each borrower must bring a government-issued identification that contains (1) his or her photograph, (2) his or her date of birth, and (3) an expiration date.	A portion of the federal government's Patriot Act requires that we obtain a copy of each borrower's ID for our file. The lender will also require that we send them a copy of this ID.
2.	Each borrower must bring documentation of his or her social-security number (or tax-identification number).	The lender will require this number be disclosed on a IRS W-9 form.
3.	If a borrower is bringing his or her own funds to the settlement, then those funds must be either (1) certified funds (i.e. a certified check) or (2) deposited with our office no later than seven days prior to the settlement date.	We make a complete disbursement of all funds on the day of settlement. If you bring a personal check on the day of settlement, then those funds cannot be disbursed until the applicable clearing period has elapsed. If you arrive to settlement with a personal check or cash, then the settlement will likely be postponed. If you bring cash to settlement, then we cannot disburse until our bank verifies and deposits the cash.

*Sellers* (of Real Estate)
1.	Each seller must bring a government-issued identification that contains (1) his or her photograph, (2) his or her date of birth, and (3) an expiration date.	A portion of the federal government's Patriot Act requires that we obtain a copy of each seller's ID for our file. The federal government requires that each seller's name be compared to its "terrorist-watch list" before we can disburse funds to that seller.
2.	Each seller must bring documentation of his or her social-security number (or tax-identification number).	Your social security number (or tax identification number) will be needed for transfer-tax affidavits.
3.	If a seller is bringing his or her own funds to the settlement, then those funds must be either (1) certified funds (i.e. a certified check) or (2) deposited with our office no later than seven days prior to the settlement date.	We make a complete disbursement of all funds on the day of settlement. If you bring a personal check on the day of settlement, then those funds cannot be disbursed until the applicable clearing period has elapsed. If you arrive to settlement with a personal check or cash, then the settlement will likely be postponed. If you bring cash to settlement, then we cannot disburse until our bank verifies and deposits the cash.
4.	A seller should bring a signed copy of the settlement statement (a.k.a. HUD) that the seller obtained when he or she originally purchased the real estate that he or she is now selling.