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You should be able to wire the funds the morning of settlement. If there is a large amount of money involved, the title company likes to ensure that teh money is available for funding. Maryland is a "Wet Settlement" state, this means that the funds must be available at settlement for the sale to go through on a purchase. Since the settlement is late on a Friday, the bank will be closed and the monies will not be technically available for disbursement. A wire is avaialble as soon as it is received by the title company, so a wire confirmation will constitute a wet settlement. A wire is a safe way to transfer money to a title company. There is a trail of funds and should something go wrong the title company would release the funds back to you. You can check with them to determine time frames and their procedure to release the funds. They are holding the funds for the express purposes of the purchase of the home you are buying. If you do use a certified check, you may have it written to1. you2. the title company or3. you and the title companyYou will NOT make the check to the seller. You will sign over the check at settlement.If you have a buyer's agent, they are your representative. If you chose to move forward with the listing agent, they have a fiduciary responsibility to the seller, so you are not represented. You can choose to have a real estate attorney review your side of the deal at your cost.Good luck with your settlement and best wishes in your new home!Warm Regards,Maryland Mortgage Mama
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