Sounds like the problem here is the "totally different story" about your agent. What you describe is normal. I've done closing with Stern as well. Your agent should have provided you with proper expectations so that you would understand the process. If you feel they have done a poor job then by all means complain to the Florida Real Estate Commission and if that is too much, then at least complian to their broker.
Best Regards, Mark
The seller that you are speaking of in Plantation, FL is probably the title company/foreclosing attny (maybe Watson Marshall or Florida Default). There are a few there. What you are describing is all normal w/ the exception that so many people forgot to get you to sign things. This sounds like maybe someone did not get all the documents together before getting to the notary. Your Broker/Bank should have been able to explain and help you with all of this. I am a Broker and I walk my clients thru all of this because it can be very confusing. The deal is really not final until the title company has the original signed documents and your down payment in their hands. They are the ones that collect your monies as well as your finance company sends the loan amount to them too. Then the title company overnights and wires everyones monies and paperwork to them and you have the keys. You should actually get the keys to the house and it is yours once they receive the monies, documents, and your lender says "ok, it is funded". This means that they have all that need to confirm and the title company is allowed to send the money to the seller, etc.
I hope this helps you.
This does makes me feel better and not feel like "I'm being made a fool of" at least I know it's the norm unfortunately. Patience is something I had very little of but have gained a lot of....:)
Regarding your agent: If they were sick and unable to attend the closing, they should have sent an associate or their broker. If the agent has not been performing, give their managing broker a call and file a complaint. Someone should have been guiding you through this process.
Hopefully everything will be processed tonight and you will have your keys tomorrow. Good luck in your new home.
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