Frequently Asked Questions (FAQs)
We act as a neutral third party to research the property's history, insure your ownership rights, and handle the exchange of funds and documents at closing.
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.
