After weeks or months of searching, negotiating, and preparing, closing day marks the finish line of your real estate transaction. It’s the moment ownership officially transfers from seller to buyer. While exciting, it can also feel overwhelming if you’re unsure what to expect.
At Crest Title Company, we believe closing should feel like a celebration, not a source of stress. Our team guides you through each document, explains every step clearly, and ensures everything is in place before you pick up the keys to your new home.
What Happens Before You Arrive
Leading up to closing day, your lender, real estate agent, and title company work together to finalize every detail. Your lender will issue a Closing Disclosure outlining your loan terms, closing costs, and the total amount due. You’ll receive this document at least three business days before closing, giving you time to review it carefully and ask questions.
Crest Title Company also completes a final title search to confirm there are no last-minute liens or ownership issues. We prepare all necessary legal documents and coordinate with all parties to ensure the transaction is ready to close on time.
Who Attends the Closing
Depending on your state and transaction type, the closing may take place at the title company’s office, an attorney’s office, or virtually through a secure remote signing platform. Typically, those present include:
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The buyer(s) and seller(s)
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A title or closing agent (often from Crest Title Company)
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Real estate agents representing each party
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Lender representative, if applicable
In some cases, one or more parties may sign remotely or use power of attorney. No matter how the closing takes place, Crest Title Company ensures each step complies with state and lender requirements.
Documents You’ll Sign
The closing table involves reviewing and signing several key documents that finalize the sale. While your closing agent will walk you through each one, here’s what you can expect:
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Closing Disclosure or Settlement Statement: Summarizes all financial details, including payments, fees, and credits.
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Deed: Transfers legal ownership of the property from seller to buyer.
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Promissory Note: Outlines the borrower’s promise to repay the lender.
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Mortgage or Deed of Trust: Pledges the property as security for the loan.
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Title Insurance Documents: Verify coverage for both the buyer and lender.
Each document serves an essential purpose, and Crest Title Company reviews them with you to ensure everything is clear, accurate, and fully understood before signing.
Funds and Final Payments
Before closing day, you’ll receive detailed instructions about how to submit your final payment, usually in the form of a wire transfer or certified check. These funds cover the remaining down payment and closing costs.
Crest Title Company prioritizes security during this process. We will never send changes to wiring instructions via email. All financial communication is verified directly to protect you from wire fraud and ensure funds are properly received and distributed on time.
The Role of Your Title Company at the Table
At closing, your title company serves as the neutral facilitator of the transaction. Our responsibilities include:
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Confirming that all required documents are correctly signed and notarized
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Collecting and disbursing funds securely
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Recording the new deed with the county
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Issuing title insurance policies for both the buyer and lender
In short, Crest Title Company ensures every part of the transaction is completed legally, accurately, and efficiently.
After You Sign
Once all documents are signed and funds are confirmed, the title company records the new deed with the county. At that moment, ownership officially transfers to you. You’ll receive copies of your signed documents and can expect your original deed and title policy to arrive once the recording process is complete.
Your real estate agent may hand you the keys, but Crest Title Company ensures the foundation of that moment—the legal transfer of ownership—is handled flawlessly.
How Crest Title Company Makes Closings Simple
Our approach to closings is built on clarity, communication, and care. We understand that every transaction is unique, so our team takes the time to answer your questions, explain complex terms in plain language, and coordinate with everyone involved to ensure a seamless experience.
Whether you’re buying your first home or your fifth, Crest Title Company is your trusted partner from contract to keys.
Close with Confidence and Clarity
Ready for a smooth, worry-free closing experience? Order a title with Crest Title Company today and let our experienced team guide you through every step of the process with confidence.