Many closings can be handled via mail, especially seller signings or cash purchases.  We are happy to help you decide which signing option makes the most sense for you!

• A valid, government issued form of ID (Driver's License, U.S. Military ID, Passport, etc.)

• Any documents your lender or our office has requested

• Sellers may be contacted by CertifID regarding wiring instructions for sale proceeds.

• When bringing funds for closing , we require a cashiers check.

Title insurance protects you from losses that occur from various matters affecting the title to land. There are two basic types of policies: Owner’s policies to protect the owner, the Loan policies to protect the bank’s mortgage.

If the bank requires a Loan policy, why do I need to buy an Owner’s policy?

The bank’s policy only protects its interest. You, the homeowner, may be liable for title problems even though the bank is insured.

I paid for a title search - why do I need to buy title insurance also?

A title policy insures against many defects which could not be discovered in a title search, as well as insuring against errors made in the title search itself. And even if an error is made in a search, by the time it is discovered, any recourse against a searcher may be barred by the statute of limitations.

Is Owner’s coverage expensive?

No. A one time premium covers you through out your ownership and after. When you are already paying for a loan policy, the additional cost for an Owner’s policy is usually small.

What’s covered under a standard Owner’s policy?

The standard Owner’s policy provides the basic coverage for a homeowner:

-It insures that you are the owner of the property.

-It insures against losses from any liens or encumbrances on the property except those listed in the policy.

-It insures you have a legal right of access to the property.

-It insures against your title being rejected by a subsequent buyer because it is unremarkable due to a title defeat or lien.

The title policy not only protects you against losses due to title claims covered by the policy, it also pays for the attorney’s fees and costs in defending the title. And, real estate litigation can be very expensive. You are covered under the policy for as long as you own the property, and also for liability after you sell the property if you provide title covenants in your deed to the new buyer.

Feel free to give us a call or request a quote here.