Q. WHAT SHOULD I BRING TO CLOSING?
A. You will need to bring a valid government issued picture ID such as a
Driver's License, Passport, or Military ID.

Q. HOW MUCH TIME SHOULD I EXPECT TO PUT ASIDE FOR MY SETTLEMENT
A. While the time of a settlement can fluctuate, a refinance will take
between 30 and 50 minutes and a purchase will take 45 minutes to 1 hour.

Q. WHO ATTENDS SETTLEMENT?
A. At a "purchase settlement", typically the real estate agent, the sellers,
and the purchasers will attend the settlement, which will be led by a
Pinnacle Settlement Services Attorney or settlement closer. A refinance
settlement typically will have the borrowers and our attorney or settlement
officer in attendance.

Q. WHAT FEES CAN I EXPECT TO PAY AT SETTLEMENT?
A. You can expect to pay for Title Insurance in which the state insurance
commissions set the rates. These rates are based on the amount of the loan
and the amount of the property. Every settlement is different, which is why
Pinnacle often can not furnish the exact amount you need to bring to closing
until the day before or day of your settlement. However, your lender or real
estate agent should be able to provide you with a "good faith estimate" to
give you an idea of what you can expect at your settlement.

Q. WHAT FORM OF PAYMENT IS ACCEPTABLE AT CLOSING?
A. Any money due at your settlement, "Certified Funds", can be accepted in
the form of a cashier's check, bank check, money order or certified check.
Please call our office in advance of your closing to ensure the correct
amount expected at closing.

Q. WHAT IS TITLE INSURANCE AND IS IT MANDATORY?
A. Owners Title Insurance(for purchases only)provides you with
protction from financial loss and payment of legal fees associated with
unexpected claims that may arise against your property prior to taking title.
Most lenders do require that the borrower purchases "lenders" Title
Insurance to protect their interest in the property.