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Title New Hampshire, LLC, Title Companies & Agents, Bedford, NHTitle New Hampshire, LLC


264 South River Road, Suite 408
Bedford, NH 03110

Phone (603) 620-9978   /   Fax (603) 628-2223


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When we have been chosen as your settlement services provider, we send letters to all parties involved in the transaction.  The Seller Questionnaire form contains crucial information to help us prepare for the final closing.  We'll need for you to fill out the form and send it back to us as soon as possible via mail or fax.


MORTGAGES. All mortgage liens against the property will be paid off at the time of closing, from the proceeds of your sale.   Obtaining discharges for these payoffs is a time-consuming process.  Therefore, we charge a discharge handling fee of $50.00 for each mortgage and lien being paid off.  In the event there is a non-institutional mortgage (i.e. one given to a private individual, trust or corporation as opposed to a bank or mortgage company), we will require a discharge on or before the closing.


TITLE EXAMINATION. Conducting a thorough title examination is an essential part of the settlement services we provide. Please note that if, as the result of our title search, we uncover any title deficiencies or defects, such issues will need to be resolved expeditiously as to not delay the closing. Title New Hampshire will make every possible effort to help you clear any matters.  Having a copy of your current Owner's Policy can be especially helpful when title issues arise.  Therefore, before you complete your packing, make a copy of your policy and send it to us with the seller questionnaire.


CONVEYING TITLE. A new deed will be signed at the closing conveying your interest in the property over to the new buyer.  If you would like us to prepare one for you, the cost is $150.00 and will be charged to you as part of the closing costs.  If arrangements have already been made for the preparation of the deed, please forward a copy to this office at least one week prior to the closing date so that we may review it.  It is essential that all owners of the property, and their spouse(s) be present at closing.  It this is not possible, please notify us right away so other arrangements can be made. 


POWER OF ATTORNEY. If you are not going to attend the closing and plan to utilize a Power of Attorney, it must be reviewed prior to closing to insure its validity for this transaction.  We can prepare one for you as well, if necessary.  Please note that in either case, the original deed transferring title from you to the buyer must be signed directly by all Sellers.

If the property being sold is a condominium, a Condominium Lien Certificate must be provided (which ensures there are no unpaid fees, common expenses, or special assessments due against the unit), and if applicable, a Waiver of Right of First Refusal by the condo association.


WATER AND SEWER. If the property is serviced by public water and sewer, you will need to request a final meter reading prior to the closing.  A copy of the final paid water and sewer bill must be brought to the closing.


UTILITIES.  There are many details to attend to in anticipation of your closing.  One of which is the task of setting up the utilities at your new home.  For your convenience we've put together a list of local providers.  It is the responsibility of the buyers and sellers to prorate any heating fuel bills at closing, and arrange for final water and sewer charges, phone, cable, and electricity readings prior to closing.


TRANSFER TAXES. The State of New Hampshire imposes a transfer tax or tax stamps on all residential real estate transactions. This tax rate is currently equal to $15 per thousand of the selling price of the property which is customarily divided evenly between the buyer and seller.


Please remember that you must bring a valid drivers license or passport with you to the closing for proper identification. The closing cannot take place if you do not have this identification with you.


8 Reasons Why You Should Work With a REALTOR®


Not all real estate practitioners are REALTORS®. The term REALTOR® is a registered trademark that identifies a real estate professional who is a member

of the NATIONAL ASSOCIATION of REALTORS® and subscribes to its strict Code of Ethics. Here are five reasons why it pays to work with a REALTOR®. 


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1. Navigate a complicated process. Buying or selling a home usually requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multipage settlement statements. A knowledgeable expert will help you prepare the best deal, and avoid delays or costly mistakes.


2. Information and opinions. REALTORS® can provide local community information on utilities, zoning, schools, and more. They’ll also be able to provide objective information about each property. A professional will be able to help you answer these two important questions: Will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell?


3. Help finding the best property out there. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your REALTOR® to find all available properties.


4. Negotiating skills. There are many negotiating factors, including but not limited to price, financing, terms, date of possession, and inclusion or exclusion of repairs, furnishings, or equipment. In addition, the purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required.


5.  Property marketing power. Real estate doesn’t sell due to advertising alone. In fact, a large share of real estate sales comes as the result of a practitioner’s contacts through previous clients, referrals, friends, and family. When a property is marketed with the help of a REALTOR®, you do not have to allow strangers into your home. Your REALTOR® will generally prescreen and accompany qualified prospects through your property.


6. Someone who speaks the language. If you don’t know a CMA from a PUD, you can understand why it’s important to work with a professional who is immersed in the industry and knows the real estate language.


7. Experience. Most people buy and sell only a few homes in a lifetime, usually with quite a few years in between each purchase. Even if you have done it before, laws and regulations change. REALTORS®, on the other hand, handle hundreds of real estate transactions over the course of their career. Having an expert on your side is critical.


8. Objective voice. A home often symbolizes family, rest, and security — it’s not just four walls and a roof. Because of this, home buying and selling can be an emotional undertaking. And for most people, a home is the biggest purchase they’ll every make. Having a concerned, but objective, third party helps you stay focused on both the emotional and financial issues most important to you.


Send mail to Kristin@TitleNH.com with questions or comments about this web site.

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