BUYER OPTIONS

OPTION 1: CURBSIDE CLOSING

On the day of settlement, the client will drive to any of our 6 office locations for a curbside closing. Upon arrival, the client will call the attorney, who will meet them at their car. A curbside closing can occur with car windows open or via speaker phone with windows shut. No hand-to-hand passing of IDs or paper file required. The client will take a photo of their ID and email it to the attorney, who will verify their identity and witness signatures from outside of the car with the windows closed. The attorney will remain on the phone to answer any questions until the signing is complete. Once the signing is complete, the attorney will take the documents to review and confirm all signatures were executed. The client will drive off without ever getting out of their car and having the least amount of contact with the attorney as possible. If/when the loan documents are available the day before closing, we will forward them to the client and schedule a pre-closing call with the settlement attorney to review documents.

OPTION 2: SIGN BY MOBILE NOTARY

The client can sign their closing documents at home with a mobile notary, subject to availability. KVS will arrange for an independent mobile notary to travel to the client's home or office and sign all of the documents in person. The notary will deliver the originals to KVS. The mobile notary charges $250 for a signing. The fee will appear as a closing cost on the ALTA.

Please note that the mobile notary is not a KVS employee or an attorney, and will not generally be able to answer specific questions about the content or meaning of the documents. This option should only be selected if the client is comfortable reviewing the documents in advance of the signing and speaking with a KVS attorney by phone, prior to their signing, if there are any questions about the documents. We will do our best to get the loan documents from the lender the day before closing and forward them to the client. However, the ability to get the documents in advance is out of our control. Please let us know if you would like to use this service and we will check the notaries' availability. Please note that we will require the client to confirm via email that they have not tested positive for COVID-19 and do not have a fever or flu-like symptoms.

OPTION 3: CASH BUYERS- REMOTE ONLINE NOTARIZATION

An all-cash Buyer can sign the documents electronically via a Remote Online Notary (RON) service. We will upload the documents to Pavaso, the RON platform, and schedule a time for the client to sign the documents via live online session with a KVS attorney. We then automatically receive the notarized documents after the signing. There is no additional fee associated with the Pavaso signing. If you elect to sign your closing documents in this manner, please let us know and we will send you more specific instructions. Please note that Pavaso is not compatible with any mobile devices, including iPhones and iPads. The Client must have a laptop or desktop computer with Google Chrome and a camera.

OPTION 4: POWER OF ATTORNEY
(IF REQUESTED BY CLIENT AND ALLOWED BY CLIENT'S LENDER)

Prior to closing, the client will sign a Power of Attorney (“POA”) document appointing and authorizing a KVS attorney to sign documents at closing on their behalf, in the following manner:

Step 1 - KVS will prepare a Power of Attorney appointing a member of our Staff to sign on the client's behalf, after the client has approved the closing documents. This will be the only document that the client would have to ink-sign in front of a Notary. KVS will secure the POA from the client by either arranging for a mobile notary to go to the client's home, or by having the client sign the POA from their car, outside any KVS office location, in the "Curbside" manner described above.

Step 2 - Once loan docs are finalized, a KVS Attorney will perform an eClosing for the client using the familiar service, DocuSign. The client will review, complete, and digitally sign an internal copy of the loan docs with the help of a KVS Attorney.

Step 3 - The KVS Signing Agent will take care of the rest, signing the client-approved docs in ink, and then submit the ink-signed paper docs to the lender.

OPTION 5: ATTEND CLOSING IN PERSON AT A KVS OFFICE

If the above options are not feasible, you may attend closing at any one of our offices. We've taken all steps recommended by the Centers for Disease Control and Prevention (CDC) to reduce the risk of exposure or infection to our clients and staff. The majority of KVS employees are now working remotely and only essential staff are working from our offices. Each Buyer is given a single-use pen to use at closing -- pens will not be reused. We are also encouraging all Sellers to sign their documents electronically, or to sign in advance of closing, so that we are limiting the number of people in our office at the same time. In addition, our staff is wiping down and disinfecting all conference room tables, chairs, door handles and waiting areas in between each closing. Agents may attend closing by FaceTime or other video conference call. We will be happy to have you be present this way and answer any questions you may have at the closing.

SELLER OPTIONS

OPTION 1: SIGN ELECTRONICALLY

A Seller can sign the documents electronically via a Remote Online Notary (RON) service. We will upload the documents to Pavaso, the RON platform, and schedule a time for the client to sign the documents via live online session with a KVS attorney. We then automatically receive the notarized documents after the signing. There is no additional fee associated with the Pavaso signing. If you elect to sign your closing documents in this manner please let us know and we will send you more specific instructions. Please note that Pavaso is not compatible with any mobile devices, including iPhones and iPads. The client must have a laptop or desktop computer with Google Chrome and a camera.

OPTION 2: SIGN BY MOBILE NOTARY

Sellers can sign their closing documents at home with a mobile notary, subject to availability. KVS will arrange for an independent mobile notary to travel to the client's home or office and sign all of the documents in person. The notary will deliver the originals to KVS. The mobile notary charges $175 for a signing. The fee will appear as a closing cost on the ALTA. Please note that the mobile notary is not a KVS employee or an attorney, and will not generally be able to answer specific questions about the content or meaning of the documents. This option should only be selected if the client is comfortable reviewing the documents in advance of the signing and speaking with a KVS attorney by phone, prior to their signing, if there are any questions about the documents.

Please let us know if you or your client would like to use this service and we will check the notaries' availability. Please note that we will require the client confirm via email that they have not tested positive for COVID-19 and do not have a fever or flu-like symptoms.

OPTION 3: CURBSIDE CLOSING

On the day of settlement, the Seller will drive to any of our 6 office locations for a curbside closing. Upon arrival, the client will call the attorney who will meet them at their car. A curbside closing can occur with car windows open or via speaker phone with windows shut. No hand-to-hand passing of IDs or paper file required. The client will take a photo of their ID and email it to the attorney who will verify their identity and witness their signatures from outside of the car with the windows closed. The attorney will remain on the phone to answer any questions until the client is done signing. Once the signing is complete, the attorney will take the documents to review and confirm all signatures were executed. The client will drive off without ever getting out of his/her car and having the least amount of contact with the attorney as possible.

OPTION 4: ATTEND CLOSING IN PERSON AT A KVS OFFICE

If the above options are not feasible, you may attend closing at any one of our offices. We've taken all steps recommended by the Centers for Disease Control and Prevention (CDC) to reduce the risk of exposure or infection to our clients and staff. The majority of KVS employees are now working remotely and only essential staff are working from our offices. Each Buyer and Seller is being given a single-use pen to use at closing -- pens will not be reused. We are also encouraging all Sellers to sign their documents electronically, or to sign in advance of closing, so that we are limiting the number of people in our office at the same time. In addition, our staff is wiping down and disinfecting all conference room tables, chairs, door handles and waiting areas in between each closing. Agents may attend closing by FaceTime or other video conference call. We will be happy to have you be present this way and answer any questions you may have at the closing.

CLIENTS REFINANCING

OPTION 1: CURBSIDE CLOSING

On the day of settlement, the client will drive to any of our 6 office locations for a curbside closing. Upon arrival, the client will call the attorney, who will meet them at their car. A curbside closing can occur with car windows open or via speaker phone with windows shut. No hand-to-hand passing of IDs or paper file required. The client will take a photo of their ID and email it to the attorney, who will verify their identity and witness signatures from outside of the car with the windows closed. The attorney will remain on the phone to answer any questions until the signing is complete. Once the signing is complete, the attorney will take the documents to review and confirm all signatures were executed. The client will drive off without ever getting out of their car and having the least amount of contact with the attorney as possible. If/when the loan documents are available the day before closing, we will forward them to the client, and schedule a pre-closing call with the settlement attorney to review documents.

OPTION 2: SIGN BY MOBILE NOTARY

The client can sign their closing documents at home with a mobile notary, subject to availability. KVS will arrange for an independent mobile notary to travel to the client's home or office and sign all of the documents in person. The notary will deliver the originals to KVS. The mobile notary charges $250 for a signing. The fee will appear as a closing cost on the ALTA.

Please note that the mobile notary is not a KVS employee or an attorney, and will not generally be able to answer specific questions about the content or meaning of the documents. This option should only be selected if the client is comfortable reviewing the documents in advance of the signing and speaking with a KVS attorney by phone, prior to their signing, if there are any questions about the documents. We will do our best to get the loan documents from the lender the day before closing and forward them to the client. However, the ability to get the documents in advance is out of our control.

Please let us know if you would like to use this service and we will check the notaries' availability. Please note that we will require the client to confirm via email that they have not tested positive for COVID-19 and do not have a fever or flu-like symptoms.

OPTION 3: POWER OF ATTORNEY
(IF REQUESTED BY CLIENT AND ALLOWED BY CLIENT'S LENDER)

Prior to closing, the client will sign a Power of Attorney (“POA”) document appointing and authorizing a KVS attorney to sign documents at closing on their behalf, in the following manner:

Step 1 - KVS will prepare a Power of Attorney appointing a member of our Staff to sign on the client's behalf, after the client has approved the closing documents. This will be the only document that the client would have to ink-sign in front of a Notary. KVS will secure the POA from the client by either arranging for a mobile notary to go to the client's home, or by having the client sign the POA from their car, outside any KVS office location, in the "Curbside" manner described above.

Step 2 - Once loan docs are finalized, a KVS Attorney will perform an eClosing for the client using the familiar service, DocuSign. The client will review, complete, and digitally sign an internal copy of the loan docs with the help of a KVS Attorney.

Step 3 - The KVS Signing Agent will take care of the rest, signing the client-approved docs in ink, and then submit the ink-signed paper docs to the lender.

OPTION 4: ATTEND CLOSING IN PERSON AT A KVS OFFICE

If the above options are not feasible, you may attend closing at any one of our offices. We've taken all steps recommended by the Centers for Disease Control and Prevention (CDC) to reduce the risk of exposure or infection to our clients and staff. The majority of KVS employees are now working remotely and only essential staff are working from our offices. Each Buyer is given a single-use pen to use at closing -- pens will not be reused. We are also encouraging all Sellers to sign their documents electronically, or to sign in advance of closing, so that we are limiting the number of people in our office at the same time. In addition, our staff is wiping down and disinfecting all conference room tables, chairs, door handles and waiting areas in between each closing. Agents may attend closing by FaceTime or other video conference call. We will be happy to have you be present this way and answer any questions you may have at the closing.