After you send a signed home purchase contract to Title Company of Florida, we open your closing file, confirm the contract dates, and introduce you to your closing concierge. While we begin reviewing the property’s title, we also coordinate any escrow deposit we’re holding and request items such as seller mortgage payoffs and association information. Here’s what you can expect to hear from us and what you can do to keep your Jacksonville closing moving.

What Happens After You Send Your Home Purchase Contract to a Jacksonville Title Company?

Looking for a trusted after you send your home purchase contract? Title Company of Florida handles title insurance, escrow, and closings with clear pricing and fast communication.

What You’ll Hear From Us First

Your closing concierge confirms that we received the contract and lets you know what we need to get started. We review the property address, parties, target closing date, and deposit instructions in the contract. If we’re named as the escrow holder, we’ll explain how to deliver the deposit and confirm receipt when it arrives. Your contract sets the deposit deadline.

• Buyers: Confirm your contact information, share your lender’s contact information if you’re financing, and flag any travel that could affect signing.
• Sellers: Let us know about any mortgages or lines of credit tied to the property, and tell us if you’ll need to sign remotely or through an authorized representative. We’ll explain how to provide any sensitive information securely.
• Real estate agents: Send the fully signed contract and all addenda, then forward any signed changes to the price, credits, or closing date as soon as they’re available.

What the Title Team Does While You’re Under Contract

We examine public records for matters affecting ownership, such as recorded mortgages, liens, easements, and restrictions. The title commitment identifies requirements that must be met before a policy can be issued and exceptions that may remain outside coverage. If an item needs attention, we’ll explain what we found, what’s needed, and who is handling the next step.

Some requests can move at the same time. We may be waiting for a seller’s payoff statement, an HOA or condo association estoppel, or paperwork showing who can sign for an LLC, trust, or estate. An old mortgage can still appear in the public records after it was paid. In that case, we may need to obtain or verify a recorded satisfaction before the closing can move forward.

See our guide to reading a title commitment or our explanation of why an old mortgage may still appear on title.

What Can Hold Up a Jacksonville Closing?

• A payoff or release is still outstanding. Tell us early about mortgages, home equity lines, or liens so we can identify the documents needed.
• Association information is pending. Share the HOA or condo association’s management contact if you have it. The closing team may need information about amounts due or transfer requirements.
• The person signing needs to show authority. Let us know up front if an LLC, trust, estate, or power of attorney is involved so we can tell you which documents to provide.
• The closing figures or signing arrangements have changed. Forward signed amendments promptly and flag travel early, especially if a lender must approve the signing method.

What to Expect Before Signing and Sending Funds

We coordinate the signing appointment and prepare the settlement figures. On a financed purchase, we work with your lender to reconcile those figures. If your mortgage requires a Closing Disclosure, review it when it arrives and ask your lender about any loan terms or costs you don’t recognize.

If you need to wire funds, your closing team will walk you through our verification process, which uses CertifID. Before sending money, call your closing team using a phone number you’ve independently verified. If you receive a message saying the instructions changed, pause and call that same number. See the CFPB’s guide to avoiding mortgage closing scams.

Are We Closed Once Everyone Signs?

Signing is one milestone. Funding depends on receipt of the required funds and satisfaction of any outstanding closing conditions. Once the file is ready, we coordinate disbursement and submit the applicable documents for recording in the county where the property is located. For a property in Duval County, you can look up the recorded deed through the Duval County Clerk’s Official Records search.

If you’re arranging movers or a key handoff, check with your agent and closing team about funding and when the contract provides for possession.

Can the Title Work Start Before My Loan Is Approved?

Yes. Once we have the signed contract and can open the file, title work can generally move alongside the lender’s underwriting. Your lender handles loan approval. Your closing concierge can tell you which title and closing items are still outstanding. For the buyer’s full timeline, see our Jacksonville real estate closing guide.