How a closing works

From signed contract to keys in hand — the steps we take care of for you.

1
Contract signed
Your agent or lender sends us the signed purchase contract (or refinance details) and we open your file.
2
Title search
We search public records for liens, judgments, easements and other issues that could affect ownership.
3
Title commitment
We issue the title commitment: what the policy will cover and anything that must be cleared before closing.
4
Clearing the title
We work with lenders, sellers and payoff holders to resolve open items such as old mortgages or liens.
5
Clear to close
Your lender approves the loan and we prepare the settlement statement and closing documents.
6
Settlement
You sign in our office, wherever you are, or remotely. Funds are collected and disbursed to the right parties.
7
Recording & policies
We record the deed and mortgage with the county and issue your owner's and lender's title insurance policies.

Contract signed