Closing on a home is one of the most exciting—and detailed—parts of the real estate journey. It’s the moment when ownership officially transfers from seller to buyer, but it involves careful coordination between multiple parties including your agent, lender, and title company.
At Clarion Title Company, we believe that understanding each step removes uncertainty and builds confidence. Here’s how the closing process works from start to finish, and how our team ensures every detail is handled with precision.
Step 1: The Purchase Agreement
Everything begins with a signed purchase agreement. This legally binding contract outlines the terms of the sale, such as the purchase price, closing date, and any contingencies like financing or inspections.
Once the agreement is in place, Clarion Title Company receives a copy and starts preparing for the transaction. We review the contract details, communicate with all parties, and begin collecting the necessary information to move forward efficiently.
Step 2: Title Search and Examination
Next, the title company conducts a comprehensive title search to confirm that the seller legally owns the property and that there are no outstanding liens, judgments, or ownership disputes.
If any issues are discovered—such as unpaid taxes or a recording error—Clarion Title Company works to resolve them before closing. This ensures that when you take ownership, your title is clear and your rights are fully protected.
Step 3: Title Insurance Preparation
Once the title is verified, it’s time to prepare title insurance policies. There are two main types:
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Owner’s Policy – Protects the buyer’s ownership rights for as long as they own the property.
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Lender’s Policy – Protects the mortgage lender’s investment until the loan is paid off.
Clarion Title Company issues both policies to ensure everyone involved in the transaction is protected from potential title defects or disputes that may arise in the future.
Step 4: Closing Disclosure and Final Review
In the days before closing, your lender will send a Closing Disclosure (CD) detailing the final costs, loan terms, and amount due. It’s important to review this document carefully.
Clarion Title Company coordinates with your lender and agent to confirm that all numbers are correct and all conditions are met. Our team is available to answer any questions and make sure you’re completely comfortable before signing day.
Step 5: The Closing Appointment
Closing day is when everything comes together. You’ll meet—either in person or remotely—with your title agent to sign all required documents, including the deed, loan paperwork, and settlement statement.
Once signatures are complete and funds are transferred, Clarion Title Company records the new deed with the county. At that moment, ownership officially transfers to you—the new homeowner.
Step 6: After Closing
Even after closing, Clarion Title Company continues working behind the scenes. We finalize recordings, distribute funds, and deliver copies of all documents for your records. If you ever have questions after the transaction, our team remains available to assist.
How Clarion Title Company Simplifies the Process
At Clarion Title Company, our goal is to make closings straightforward and stress-free. We communicate clearly, coordinate with all parties, and keep you informed at every stage. Whether you’re a first-time buyer or a seasoned investor, we ensure that each detail is handled with care and professionalism.
Make Your Closing Seamless and Secure
Take the uncertainty out of closing day. Order a title with Clarion Title Company today and experience a transparent, guided process that protects your investment from start to finish.