Frequently Asked Questions

Typically, a valid photo ID, certified funds (if applicable), and any documents your title agent or lender requested.

Most closings take between 20–90 minutes, depending on the type of transaction and loan documents involved.

At the title company’s office, your real estate attorney’s office, or sometimes remotely via mobile notary. It is the Clients choice.

Once the transaction is funded and recorded—often the same day, but sometimes the next business day.

Your title company will provide secure wiring instructions. Always verify them by phone to avoid wire fraud.

No. Only certified funds (wires) are accepted at closing.

It depends on your state, but in an attorney-backed title company, you’ll benefit from legal oversight even if an attorney isn’t required to attend.

Your title company will address any issues before closing. If unresolved, they may delay or postpone closing until cleared.

No. You need a clear-to-close from your lender before documents can be prepared.

Usually the first of the month after the next (e.g., close in August → first payment due October 1st).

Usually within 30–60 days after closing, once recording and underwriting are completed.

Title insurance protects property buyers and lenders from financial loss caused by defects in the property’s title—such as liens, ownership disputes, errors in public records, or fraud—that may not be discovered until after closing. Unlike other insurance, it covers past issues rather than future risks, and is purchased with a one-time premium at closing. An owner’s policy protects the buyer for as long as they own the property, while a lender’s policy protects the mortgage company until the loan is paid off. Title insurance provides peace of mind by ensuring your ownership rights are secure.

“Title” refers to the legal right to own, use, and control a property. It’s a concept — not a physical document. When you “have title” to a property, it means you legally own it.

A deed is the legal document that transfers title from one party to another. It contains a legal description of the property and is recorded in public records to show ownership has changed.