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Home Closing 101

Step by step guide through your home buying process.

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Tools to help you evaluate your big purchase.

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FAQ

Frequently asked questions

What is a title to a property?

Title is the recognition of ownership to real property. When you hold title to a property, you have the right to own and occupy the property and the right to transfer ownership of the property. Title is evidenced by a deed or other document recorded in the public records of the county where the property lies.

What's an abstract?

Simply put, an abstract of title is a written record of the property’s legal history. So this file will include all legal documents that involve the property, ensuring you’re familiar with everything you need to know about the ownership of the house over the years.

What is a title search?

A title search is a detailed examination of the historical records concerning a property. These records include deeds, court records, property indexes, name indexes and many other documents. The purpose of the search is to verify the seller's right to transfer ownership, and to discover any claims, defects and other rights or burdens on the
property.

What does the title company do?

Title companies play an integral role in the closing process of your real estate transaction.  We are responsible for managing the closing process and conducting the actual closing and signing of your documents.  It is our responsibility to coordinate the interests of all parties in a real estate transaction including the buyers, sellers, mortgage lender, and the real estate agents and to ensure that all requirements for settlement are fully satisfied.

The owner has a deed. Isn't that proof?

Not necessarily. A deed is just a document by which the right of ownership in land is transferred, whatever that right may be. It's not proof of ownership, and it doesn't do away with the rights others may have in the property. In addition, a deed won't show you liens or claims that may contain errors and do not disclose "hidden hazards" that can threaten your property title if you do not have a title insurance policy.

Can the buyer and seller sign at different times?

Yes. The buyer and seller can sign at different times on the same day or sign at the same time.

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