A Lender’s Policy protects the bank's investment up to the loan amount. An Owner’s Policy is optional but recommended; it protects your equity for as long as you own the home. 

Escrow is a secure arrangement where a neutral third party (us) holds money and documents until all terms of the sale are met. 

Never follow wiring instructions sent via an unverified email. Always call our office at a known number to confirm instructions before sending money. 

You’ll generally need:  

• Valid photo ID (driver’s license/passport)  

• Any payoff information for existing loans  

• Proof of homeowner’s insurance  

• Funds for closing (as instructed by your lender/settlement team)  

Your settlement specialist will send you a complete closing checklist before your appointment. 

We use secure systems and verification procedures. Never follow wiring instructions sent via an unverified email. Always call our office at a known number to confirm instructions before sending money. 

Regarding the Earnest Money Deposit (EMD), we offer several convenient options to make things easy for you, including: 

• Mobile deposit through bankshotapp.com 

• Wire transfer 

• FedEx / overnight delivery to one of our offices 

• Hand delivery to any of our office locations 

• Mailing a check 

Title insurance protects against defects in the title that were unknown at the time of closing  including prior liens, forged signatures, undisclosed heirs, or clerical errors. If a covered issue arises after closing, your policy can help cover legal costs and financial loss.