Residential and Commercial Purchases
Settlement is the final step in the purchase process. Gemini Title & Escrow, LLC is responsible for ordering the title examination and survey, providing the mortgage lender with a title insurance commitment, making sure the seller can convey marketable title, and scheduling the actual time and place for the closing with all concerned parties. In addition to coordinating all aspects of the closing, we are responsible for preparing the documents necessary to convey title, create a mortgage lien and provide for a proper financial accounting according to the terms of the contract of sale and loan commitment. Our goal is to act as a clearinghouse of information for all interested parties. The closing itself, which usually takes about one hour, is busy with many details to be coordinated. During the closing, the settlement officer manages the numerous documents which are explained and signed and after settlement, receives and disburses the funds.

Refinances 
When refinancing an existing mortgage, many of the same steps are required as when purchasing a property, although there are fewer people with which to coordinate. Gemini Title & Escrow, LLC is responsible for ordering the title examination, providing the mortgage lender with a title insurance commitment, making sure title is clear, and scheduling the actual time and place for the closing with the mortgage broker, lender and borrower.

REO Settlements
Gemini Title & Escrow, LLC is familiar with the unique challenges presented by REO transactions throughout our region. Although the legal procedures differ among Maryland, DC and Virginia, we are well acquainted with the rules of law and underwriting guidelines of all three jurisdictions. We have always had a high standard for reviewing foreclosure title work and have developed a rapport with the area trustees and REO sellers to obtain the required documentation and resolve any open issues. Our experience in REO and our ability to competently process those files can help you close your transactions smoothly and efficiently.

Foreclosure Investments
The principals of Gemini Title & Escrow, LLC have particular experience in assisting foreclosure investors in Maryland, DC, and Virginia. As a result of our familiarity with the foreclosure process and our commitment to professionalism, we have developed a rapport with the major foreclosure trustees in the area. Gemini Title & Escrow, LLC and our law firm, Paker, Simon & Kokolis, LLC can assist in coordinating third party settlements with the various trustees offices, as well as providing advice to third party purchasers with regard to evictions, motions to substitute purchaser, and other matters unique to Maryland, DC and Virginia foreclosures.