Title insurance protects homeowners and lenders from potential ownership disputes, liens, or errors in public records. It ensures that the property’s title is clear and transferable. There are two types: lender’s and owner’s policies. While lender’s insurance is typically required, owner’s coverage

The closing disclosure (CD) is a final, itemized statement of all costs involved in your real estate transaction — including loan terms, fees, and the exact amount due at closing. Buyers must receive it at least three business days before closing to review for accuracy. It ensures transparency and p

Once your offer is accepted, several steps begin: opening escrow, scheduling inspections, completing the appraisal, and finalizing your loan approval. You’ll review disclosures, negotiate any repairs, and confirm title and insurance details. As closing approaches, your lender issues a final closing