Buyers

Title insurance protects your ownership rights against covered defects that may not have been discovered during the title examination. Unlike other types of insurance that protect against future events, title insurance protects against past issues that could impact your legal ownership.

At closing, an Owner’s Title Insurance Policy is issued to safeguard your investment long after the transaction is complete.

The timeline from contract ratification to closing varies depending on financing, inspections, and lender requirements. In most residential transactions, closing occurs within 30 to 45 days.

However, market conditions can influence this timeline. In competitive markets, buyers may adjust their offer terms, including the proposed closing date to remain competitive. A shorter closing timeline can sometimes strengthen an offer, provided that, financing, inspections, and all transaction requirements can be completed within that timeframe.

Your realtor and lender will help determine a closing timeline that aligns with both market conditions and the practical requirements of the transaction.

Earnest money may be refundable depending on the terms outlined in your purchase agreement. Contingencies such as financing, appraisal, or inspection often determine eligibility for a return of funds.

Refund decisions are governed by the contract and must be authorized by all parties in writing.

Closing can be completed through several formats depending on the transaction and lender requirements. Our goal is to provide a secure and convenient closing experience. Available options may include:

These options are offered as part of our service and typically involve no additional cost. When financing is involved, the closing format must align with the lender’s requirements.

Requirements vary by state and transaction type. In many residential closings, a separate real estate attorney is not required because the title company coordinates the settlement process.

However, you may always choose to consult independent legal counsel if you desire additional legal guidance.

At settlement, you will review and sign several documents required to complete the purchase of your property. These typically include:

Buyer signings generally take between one hour and one and a half hours, depending on financing and document volume. Each document is reviewed carefully to ensure clarity and understanding prior to execution.

Buyers should bring a few important items to ensure the closing appointment proceeds smoothly. These typically include:

In most transactions, buyers receive the keys at the conclusion of the closing appointment, once all documents have been signed and the required funds have been received. Your real estate professional will coordinate the release of the keys so you can begin enjoying your new home.