What Does a Title Company Do at Closing?

The process of buying or selling a home brings up questions about the role of title companies during closing procedures. Buchanan Settlement Services provides clear explanations about the closing process because we want your experience to be both safe and stress-free.

As a title agent in Pennsylvania, I have seen how important it is to have a trusted team protecting your transaction.

Whether you are a homeowner, seller, land developer, lender, attorney, or real estate agent, knowing the role of a title company can prevent unexpected surprises and protect your investment for years to come.

Hidden Risks Can Derail Your Dream

Real estate transactions require more than just signing documents. You are exposed to several risks when you lack proper protection.

• Outstanding liens or unpaid taxes

• Boundary disputes from property surveys

• Hidden claims from unknown heirs

• Errors in public records that cloud your ownership

Even the most perfect house can come with hidden baggage — baggage that could cost you thousands or even the home itself.

Imagine Facing These Problems Alone

Picture this:

You close on your dream home, only to receive a letter saying someone else has legal claim to your property. Suddenly, your investment — and your peace of mind — is at risk.

The absence of title insurance and proper title search leaves you to defend against unknown ownership disputes.

Buchanan Settlement Services Has You Covered

Buchanan Settlement Services provides you with years of experience combined with top-tier service and complete protection.

Here’s what we do for you:

• We perform a complete title search to identify and fix all title defects before the closing process begins.

• Our policies through title insurance protect both your ownership rights and your lender's rights from any future claims.

• We take charge of the closing process by creating all necessary documents and handling escrow funds until settlement day arrives.

• Our team provides complete protection for your investment through all stages from the initial title review until the final signature.

At Buchanan, title insurance protects your future — because closing should be a celebration, not a gamble.

What Does a Title Company Actually Do at Closing?

You’re probably still wondering: what does a title company do at closing, exactly?

Here’s how we walk you through the process:

• Title Search: We conduct a title search to ensure there are no outstanding mortgages, liens, unpaid property taxes, or hidden legal issues.

• Property Survey (if needed): We verify property boundaries and check for any encroachments.

• Clear Title Issues: We address any discovered problems through immediate resolution before settlement.

• Escrow Services: The funds for all parties remain secure in our escrow account until the closing process finishes.

• Prepare Documents: The settlement statement together with deed and affidavits and required disclosures will be prepared by us for the transaction.

• Issue Title Insurance: Your ownership rights receive protection through title insurance during your entire property ownership period.

• Final Closing: Our team handles the last signature process while making sure all documents get properly recorded at the county level.

In short?

Our team protects your interests while managing the closing process to help you purchase homes or sell properties with complete assurance.

Why Title Insurance Is a Good Idea in Pennsylvania

The Pennsylvania real estate market has its own set of characteristics: old homes, complicated family inheritances, and properties with a lot of history.

Owner’s title insurance is not just a good idea, it is a necessity.

• One-time cost: You pay for title insurance once at closing — no ongoing payments.

• Lifetime coverage: Your title insurance policy provides continuous protection throughout your homeownership period.

• Complete protection: Your policy will protect you from future property rights claims.

The purchase of title insurance stands as one of the most intelligent decisions homebuyers can make when buying a property.

Why Choose Buchanan Settlement Services?

Buchanan Settlement Services stands out as the top selection for Pennsylvania title insurance because of the following reasons:

• Local Experience: Years of expertise across Pennsylvania’s evolving market.

• Personalized Service: Every transaction receives the attention to detail and care that it needs.

• Trusted by Professionals: Real estate agents, attorneys, lenders, and developers trust us to close transactions smoothly.

• Fast, Thorough Closings: Our efficient process avoids shortcuts to help you achieve faster progress.

• Your Advocate: Our team provides support to you throughout the entire closing process from start to finish.

When selecting a title insurance company in Pennsylvania you need more than just a policy because you want to achieve peace of mind.

Protect Your Future

Our team provides guidance to all clients including first-time buyers and real estate agents and developers who want to achieve secure and successful closings.

Contact Buchanan Settlement Services at (717) 762-1415 or contact us here