Hello,
Thank you for your time and help.
I closed on my house this past Thursday and I still do not have the keys to my home. The title company which are also attorney's and work for the seller are telling me that I can not have access to the house until funds (an assistance downpayment check from the county) have cleared. They already have my wire for almost two weeks now. I do not have any of this in writing regarding the fact that I can not go into my property. Is this legal? Can they hold my property from me even after I have signed the documents already?
Thank you again and I look forward to your response.
- Courtney
Mary Hester
May 17, 2009
Generally, the the keys are not given to the purchaser and the title to the property does not pass to the purchaser until all the documents have been signed and all the required funds paid (including that all checks have cleared). From what you wrote it appears the money you yourself paid is in the hands of the title company but that a governmental check that was also part of how you were paying for the property has not yet cleared. I suggest you call the governmental department that issued the check and ask them to check their records as to whether the check was paid by their bank. If it was, write/email the title company with the information you obtained from the governmental agency and request a written response as to when you will be able to get the keys and own the property. If you do not receive a written response or the response is unsatisfactory you may wish to consult with an attorney who will be looking out for your for your interests and contact the state agency that licenses the title company to see whether it can assist. Good luck.
Mary Hester
Treasure Coast Real Estate, Inc.
Jupiter FL
www.LivingInJupiterFL.com