What do I need to bring to signing?

Bring a valid government issued picture ID such as a Driver's License, Passport or Military ID. Additionally, if you are bringing money to the signing these funds will need to be "certified funds." Certified funds can come in the form of a cashier's check or may be wired to our account prior to closing.

Who in the process decides which escrow and/or title company will handle my closing?

It is your choice as an owner refinancing a property; if you are purchasing a property, custom varies by county and may be negotiated as part of the purchase contract.

Why do I need Title Insurance?

To protect your most important investment: your home.

Lender's title insurance will be required by the mortgage lender providing funds for your purchase. Owner's title insurance is purchased at settlement for an additional one-time charge which is computed based upon the purchase price of the property. Owner's title insurance protects the homebuyer against hidden defects in title.

Here are a few of the most common hidden risks that can cause loss of title: