Frequently Asked Questions about Flexible Closing Options

Flexible Closing Options

At South Oak, we understand that life doesn't always align with standard business hours or locations. Sometimes sellers have already relocated, buyers are managing busy work schedules, or other circumstances prevent parties from attending a traditional real estate closing. Medical conditions, work commitments, or family responsibilities can make it difficult to coordinate schedules for a standard closing appointment.

That's why we offer several flexible closing options to accommodate different needs:

• In-office flexibility allows you to close outside regular business hours. We can schedule early morning or evening appointments, particularly helpful for those juggling work commitments or traveling schedules. This option maintains the benefits of closing at our office while working around your schedule.
• Split closings separate the buyer and seller transactions. For example, a seller who needs to sign documents early because they're moving out of state can complete their portion days before the buyer closes. The transaction is finalized when both parties have completed their requirements. Split closings are especially useful when coordinating multiple schedules proves challenging.
• Mail-away closings serve clients who can't physically attend the closing. We send documents to be signed with a notary, making this option particularly useful for out-of-state sellers or remote investors. While this process requires additional planning time, it provides a secure way to complete transactions from anywhere.
• Travel closings bring the closing to you. Our closing team can conduct closings at alternate locations such as hospitals, nursing homes, or business offices when circumstances prevent clients from visiting our office. This option ensures that physical limitations or location constraints don't delay your closing.

Each of these options maintains the same legal standards and documentation requirements as traditional closings while providing the flexibility many clients need. Our team coordinates all the necessary details to ensure a smooth closing process, regardless of which option you choose. Early communication about your closing needs helps us provide the most appropriate solution for your situation.

Frequently Asked Questions about Closing Options at South Oak

With several real estate closing options for our clients, it can be hard to know how each option can work for your unique situation. We're answering some of the most common questions about flexible closing options at South Oak.

What can I expect if I close in office?

A typical closing takes about 45 minutes in one of our comfortable office locations. While there's quite a bit of paperwork involved, your closer will guide you through each step at a comfortable pace - we never want anyone to feel rushed or pressured during their closing.

Your closer begins by verifying everyone's identity using government-issued photo IDs. They'll then walk you through reviewing the settlement statement, which outlines all costs and fees. You'll review and sign necessary documents, including deed and title documents, plus any lender paperwork for financed transactions.

Throughout the process, your closer will explain each document and answer any questions you have. We believe every client should understand what they're signing and feel comfortable asking for clarification. At the end of closing, sellers hand over keys and garage door openers to transfer ownership. You'll receive a closing folder with a USB drive containing copies of all signed documents, ensuring you have easy access to your closing records.

Our goal is to make closing a pleasant experience rather than just another transaction. Whether you're buying your first home or you're an experienced investor, we're here to help make your closing go smoothly.

Who can schedule a non-standard closing at South Oak?

Anyone can take advantage of our flexible closing options, but it's important to communicate your needs early in the process. Each option has specific requirements. For example, mail-away closings need extra time for document delivery, and travel closings aren't available during the last week of the month. However, we will work with you to accommodate various situations.

If you don't have special circumstances that prevent a traditional closing, an in-office closing is often the simplest choice. However, if you need flexibility due to work schedules, location, health concerns, or other circumstances, we're happy to discuss which alternative closing option might work best for you.

What should I do if my closing needs have changed?

Plans change, and we understand that unexpected situations can arise during the closing process. If your circumstances change - whether it's a work conflict, medical emergency, or any other situation - contact your closer immediately. The sooner we know about changes, the better we can adapt without delaying your closing.

For example, if you unexpectedly end up in the hospital on closing day, we can arrange a travel closing to come to you. Or if you've suddenly been called out of town, we might be able to arrange a mail-away closing. Whatever situation you're facing, we'll work with you to find a solution. Just let us know as soon as possible so we can adjust the closing plan to meet your needs while maintaining all necessary legal requirements.

Who do I need to talk to about scheduling an alternate closing option?

If you need to schedule a non-traditional closing option, make sure to contact your closer. If you haven’t already scheduled a closing and are curious about your options, please contact your local South Oak Title and Closing office.

Can I close remotely or online?

Currently, remote online closings are available only at our Tennessee and Florida locations due to state regulations. While many of our Alabama clients ask about this option, Alabama law does not yet permit remote online notarization (RON), which is required for fully digital closings.

If you're closing at one of our Tennessee or Florida locations, contact your closer directly for information about remote closing options.

How do you prevent fraud and ensure that transactions are secure when you're not closing at a South Oak location?

Security remains our top priority whether you're closing in our office or using a flexible closing option. We maintain the same strict verification processes and fraud prevention measures across all closing types.

For mail-away closings, we arrange the notary services ourselves rather than allowing clients to choose their own notary. This ensures that documents are properly executed by vetted professionals who understand real estate transactions.

We prevent wire fraud through CertifID, which verifies the identity of all parties and secures the transfer of funds. All communication about your closing, including sensitive information and documents, happens through our secure d platform rather than regular email.

Our team stays current on the latest security threats and fraud prevention techniques. We regularly educate clients about potential risks and best practices for protecting their information during the closing process, regardless of which closing option they choose.

What are the benefits of a standard, in-office closing?

A standard in-office closing at South Oak offers the best possible closing experience. You'll be greeted warmly in our comfortable office environment, designed to feel more like a luxury home than a traditional law office. Our goal is to make you feel at ease from the moment you arrive.

Our experienced closing team excels at balancing efficiency with attention to detail. They'll guide you through each document, explaining important points and answering your questions. You'll never feel rushed or pressured - we ensure you understand everything you're signing while keeping the process moving smoothly.

By closing in our office, you have direct access to our knowledgeable team and all necessary resources. If questions arise or additional documentation is needed, we can address these immediately. Our organized approach and comfortable setting help make what could be a stressful experience feel more like a celebration of your real estate transaction.

What should I do if I'm running late or need to reschedule my closing?

Contact us immediately if you're running late or facing a situation that might affect your closing time. We understand that unexpected delays happen, whether it's Birmingham's notorious Highway 280 traffic or an urgent work situation. Our team will do everything possible to accommodate you without rescheduling.

If you're stuck in traffic and running late for a late afternoon closing, we'll stay after hours to make sure your closing happens as planned. If an emergency at work prevents you from leaving the office, we can arrange to bring the closing to you. Our goal is to find solutions that work for everyone while keeping your closing on schedule.

The key is communication - let us know about delays as soon as possible so we can adjust our schedule and find the best way to accommodate your situation.

Will requesting a flexible closing option delay my closing?

No, requesting a flexible closing option won't automatically delay your closing at South Oak. However, it's important to communicate your needs as early as possible - ideally when you first schedule the closing. While some factors that affect closing timing aren't under our control (like lender delays), our flexible options are designed to help you close on time.

Whether you need a mail-away closing, travel closing, or other accommodation, we'll work with you to meet your closing date. The most important thing is to let us know your requirements upfront so we can plan accordingly.

No matter how you choose to close, South Oak is committed to helping real estate professionals and their clients have a stress-free and enjoyable closing experience. Contact us to learn more about our closing options, or order a title and schedule a closing today.