At 11:58 am I stood at the San Diego County Recorder's office, holding a document confirming that my clients now owned their home. As a San Diego Realtor I'm usually waiting for confirmation that title has been recorded. But here I was, holding the power of proof.
It started yesterday, Thursday. The loan was supposed to fund on Wednesday and title was to be recorded yesterday. The loan hadn't funded as planned, and still hadn't yesterday, after the cutoff. The way the it works here is that loan funds have to get to the title company by a cut-off time (usually between 10:30 am and 1:00 pm) in order for title to be able to record the next day.
The loan funded today (Friday), so now we'd have to wait until Monday to record title. Three problems with this: 1) Buyer and Seller were already counting on this to close this week; 2) My clients (the buyers) had already scheduled some services over the weekend; and 3) My clients' loan money would be just sitting at title over the weekend, already being charged interest when they didn't even own the home.
Someone asked if I wanted to "walk the deed" through and get it recorded so that we didn't have to wait until Monday. I didn't even know that I had the option. Yes! I jumped at the chance to be a part of the significant duty of getting title recorded. Besides, my day was pretty flexible and there was the incredible desire to go into the mysterious world of deed recording.
Okay, so not mysterious, and if that was actually my job I would probably look at me strangely for being excited about this. But I was. I got a check for the recording fees from the escrow company, picked up the deed and other documents from title and drove to the County Recorder's office in downtown San Diego. It's really a beautiful building outside. For an "old" building in San Diego, the architecture is attractive and the grounds are kept nicely landscaped. Lots of free parking too. The San Diego Harbor is across the street. My poor client received way too many texts from me giving a play by play account of what I was doing and where I was.
Once I reached the Recorder's office, I took a number, and waited for it to be called. When it was called I felt like I had won a Bingo game (can't say it was like the lottery since I haven't won the lottery, and frankly it wasn't really as exciting as if I had one a million bucks-just guessing). The clerk was very friendly. He efficiently counted, entered things into a computer, and verified. At 11:58 am his printer spit out a piece of paper confirming my adventure.
In hindsight, it wasn't all that glamorous. Pretty routine, it seemed. But for me, I got to go through the learning experience of one of the most significant aspects of my business. Plus, my client was thrilled. Isn't that what it's all about?
"11:58 am...Pronounced....Sold!" is by Deborah Engel, Prudential California Realty, a recognized San Diego and Carmel Valley Realtor for top client satisfaction. If you'd like to learn more about Deborah, visit her website, www.PropertyByDeb.com, email her, Deb@PropertyByDeb.com, or call her at 858-829-1989.
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