The Closing Process
Understanding what happens when you buy or sell a home matters. We break it down.
From contract signature to final settlement
Real estate transactions can be complex, with many moving parts along the way. United Title & Escrow coordinates with buyers, sellers, agents, and lenders to gather every detail, align the pieces, and keep your closing smooth, organized, and problem-free from start to finish.
Contract and inspection period
You make an offer, it gets accepted, and the clock starts ticking on inspections and appraisals.
Title search and underwriting
We examine the property's history while your lender reviews everything to ensure the deal is sound.
Final walkthrough & closing day
You verify the property condition, sign the documents, and the funds transfer to complete the transaction.
A Clear Path to Closing, From Start to Finish
Every real estate transaction follows a series of important steps. Our team guides you through each stage with expert coordination, careful oversight, and proactive communication—so you always know what’s happening and your closing stays smooth, secure, and on schedule.
Before Closing
Once a contract is signed, we begin the groundwork. Our team researches the property’s history, opens escrow, gathers required documents, and coordinates with agents, lenders, and attorneys to prepare for a smooth transaction.
Title & Escrow Preparation
We verify clear ownership and resolve any issues while securely managing earnest money and funds. Insurance policies are prepared, payoffs are ordered, and every financial detail is carefully balanced to ensure accuracy and compliance.
Closing Day
All parties come together to review and sign final documents. We guide you through each step, answer questions, collect signatures, and ensure funds are properly received and disbursed so the transfer can happen without delays.
After Closing
Once signed, we record documents with the county, issue title policies, and finalize payments. Ownership is officially transferred, keys are delivered, and you can move forward with complete peace of mind.
FAQs
Questions about closing are natural. We answer the ones we hear most.
Escrow is a neutral holding account where funds and documents sit until all conditions are met. Once everything checks out, the money moves and the deal closes. It protects both buyer and seller.
Most closings take thirty to forty-five days from offer acceptance to final settlement. The timeline depends on inspection results, appraisal timing, and lender approval speed. We keep things moving.
We examine public records to verify the seller actually owns the property and has the right to sell it. This search uncovers any liens, claims, or other issues that could affect ownership. Clean title is essential.
Closing costs are typically split between buyer and seller, though the specific breakdown varies by contract. Buyers often pay for appraisals and inspections while sellers cover realtor commissions. Your agent explains the details.
You sign the final documents, verify the property condition one last time, and funds transfer to complete the sale. The process takes a few hours. Then you get the keys.
Escrow holds your money and documents in a neutral account until conditions are satisfied. Both parties stay protected until the deal is done. Then everything moves forward.
Thirty to forty-five days is typical from offer to settlement. Speed depends on inspections, appraisals, and lender approval. We keep the process moving without cutting corners.
We dig through public records to confirm the seller owns the property and can legally sell it. Any liens or claims surface during this search. Clean title matters.
Buyer and seller typically split costs, though contracts vary. Appraisals and inspections often fall to the buyer. Your agent walks you through the breakdown.
You sign the documents, do a final walkthrough, and watch the funds transfer. A few hours and you hold the keys. That's closing.
Ready to close?
Get in touch with our team today and let's make your closing straightforward.
