Real estate closing questions, answered clearly.

A title company helps research property records, identify title issues, coordinate escrow and settlement details, support signing and issue applicable title-insurance policies.

Title insurance protects against certain covered ownership and title defects. A lender policy protects the lender; an owner policy protects the buyer’s ownership interest, subject to the policy’s terms and exceptions.

As soon as the contract is signed. Early ordering gives the team more time for title search, lien review, payoffs, lender coordination and scheduling.

The timeline depends on financing, title findings, payoffs, inspections, contract deadlines and the readiness of all parties. The contract and lender generally drive key dates.

Purchase price, loan amount, title premiums, recording charges, taxes, prorations, lender fees, survey needs, association items and transaction-specific services can all affect final figures.

That depends on the property, lender, title requirements and the buyer’s risk tolerance. Ask the closing team and lender whether a current acceptable survey is available or a new one is recommended.

Bring acceptable government-issued photo identification and anything specifically requested by the closing team. Confirm funds and payment instructions well before the appointment.

Never rely on wire instructions received only by email. Call a known, trusted phone number to verify instructions and question every last-minute change.

No. Homeowners generally must apply with the appropriate county office and provide required documentation by the applicable deadline.

Veterans Approved Title provides Florida title agency services and coordinates Georgia transactions with the attorney involvement required for Georgia closings.