title search
Ensuring Your Property Rights
We order and rigorously review the title history—and resolve any defects prior to closing; so you can enjoy your property free of any encumbrances. We also arrange a survey of your property boundaries in order that you understand the exact parameters of your new home. Taking these steps ensures that no other person, bank or entity has a valid claim to your property and you can freely enjoy full ownership.
title insurance
Guaranteeing Future Property Claims
Title insurance protects both you and your lender against any obstacles to clear and confident ownership of your new home. Your lender will require you to purchase a one-time policy; you may also purchase a one-time policy that would cover you as the homeowner from any future claims.
escrow
Holding The Settlement Funds in Trust & Disbursement
Once you have entered a contract for the purchase of your new home, you will be required to produce earnest money. That money goes toward the cost of the home and is held in trust until the closing day when all the funds are disbursed to the appropriate parties. At the closing table, all the payoffs for previous liens, taxes, utility bills, government recording fees and the price of the home will be disbursed according to the terms of the contract. These costs, closing costs, will be presented to you three days prior to settlement and any questions will be clarified so at the closing table you can close with confidence.