Frequently asked questions

A closing is the final step in a real estate transaction where documents are signed, funds are collected and disbursed, and ownership is transferred (or a loan is finalized).

Most closings take about 30–60 minutes, depending on the transaction type and how many documents need to be signed.

Bring a valid photo ID and any items your lender or agent requested. If you’re wiring or bringing funds, follow the instructions we provide to ensure secure delivery.

Title insurance helps protect against certain title issues—such as unknown liens, recording errors, or ownership disputes—that could affect your property rights.

An owner’s policy is optional but strongly recommended. A lender’s policy protects the lender; an owner’s policy helps protect your ownership interest.

A title search reviews public records to identify issues that could affect title, such as liens, judgments, unpaid taxes, easements, or breaks in the chain of ownership.

Escrow is a neutral handling of documents and funds during the transaction. We help coordinate the settlement process so all parties meet the terms of the contract.

Use our Send Earnest Money page for guidance. Always verify wiring instructions directly with our office before sending funds.

Disbursement timing depends on lender and transaction requirements. In many cases, funds are disbursed once all documents are complete and the transaction is authorized to fund and record.