It sounds to me that you need some advice. Advice normally provided by your Realtor. So, are you using an MLS entry only broker? That is why there is a difference between limited /entry only and full service. The problem is that WE cannot help you. You need help. You need to perhaps pay an attorney (they're cheap, only $300-$400 per hour).
Although this packet may seem overwhelming, it is for your protection. The Privacy Act changed the way that real estate professionals helped with the closing process and changed the way escrow companies worked as well. I'm sure that most of the questions are going to aid your escrow company in closing the transaction for you and has it who your current mortgage is to and how much the payoff will be on the day of closing as well as a per diem amount (this means interest per day on your mortgage). Also, your federal tax ID number/SS#'s, driver's license #'s things of that nature. Some of that packet may be a copy of the title comitment, meaning that the escrow company is going to provide title insurance on your property, should you have questions you should check with your agent, who also should have a copy, they will be able to answer or find out the answer. The rest depends on how much personal financial information you want to share. Keep in mind it is for your protection and necessary to close your transaction.
In my past experience, myself and/or my clients make an appointment with the title company and go over the paperwork together. They usually go over every single page, explain everything to you to make sure you understand everything you are signing and initialling. I'd call your Realtor and the title company and set up an appt.
it might be best to contact the escrow or mortgage company, where the papers came from and ask them what exactly they want you to do with that papers. Half of the package might be your copy.
Charita King 562-276-8681
I hope you are working with a Realtor. I usually sit down with my clients to help them complete the paperwork, especially the first time buyers. Some of the questions are very confusing.
Most banks provide notaries.
Ask your Realtor to help with the paperwork.