Consumers

Buyers

When you buy a home, you need to be sure the seller is the true owner of the property. You must also ensure that no outstanding issues will damage the title transfer to you.

Why? Problems with the title can restrict the use of the property and ultimately result in financial loss. That’s where title insurance comes in — and where GreenVue Title & Escrow can help you.

We conduct a comprehensive title search to make sure your ownership is free and clear of any issues. A title insurance policy will protect your investment and give you peace of mind.

The cost is minimal and is only paid once. There are no renewal premiums, and there’s no expiration date on the policy. The protection lasts as long as you — or your heirs — maintain an interest in the property. It’s security that lasts.

Sellers

Selling your house? GreenVue Title & Escrow will work with you to satisfy any liens. We’ll prepare all the necessary closing documentation to make the transaction as smooth as possible for you and the buyer. We promise competitive rates, proactive communication, and a closing handled with care.

With GreenVue Title & Escrow, buyers and sellers get:

• One single point of contact
• Full service on every transaction
• Timely and accurate title commitments
• Superior communication
• Knowledgeable and professional staff
• Contract upload capability or drop off

Whether you’re working with an agent, an attorney, or selling on your own, GreenVue Title & Escrow makes your closing simple and secure.

How a closing works

Every closing is a little different, but most follow the same path from signed contract to recorded deed.

1. The order is opened. Once there is a signed purchase contract, it goes to the title company, which opens a file and confirms everyone involved: buyer, seller, agents, and lender.
2. The title is searched. Public records are reviewed — deeds, mortgages, liens, judgments, tax records, and probate filings — to confirm who owns the property and what claims are attached to it.
3. A title commitment is issued. This is the title insurer’s offer to insure. It lists requirements that must be met before closing and exceptions the policy won’t cover.
4. Problems are cleared. Existing mortgages are paid off, liens are released, and errors in earlier deeds are corrected where possible. Paying off the seller’s mortgage is the most common item.
5. The numbers are finalized. If you have a loan, your lender sends a Closing Disclosure with your final loan terms and costs. You must receive it at least three business days before you sign.
6. Everyone signs. Buyers sign the loan documents and sellers sign the deed. Some documents are notarized.
7. Money moves and the deed is recorded. The closing agent collects and pays out funds as the contract and the lender direct, then sends the deed and deed of trust to the county Register of Deeds to be recorded.

What to bring to closing

• A current government-issued photo ID for everyone signing.
• Your closing funds, by wire or cashier’s check — whichever your closing agent asks for. Before you wire anything, confirm the instructions by calling a phone number you already know, never one from an email.
• Your Closing Disclosure, so you can compare it with the final documents.

Selling? Bring your photo ID, and ask your closing agent what else to have on hand for your closing.

This is general information, not legal advice. Talk to your attorney.

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