Settlement Services
City Title takes the complexity out of the closing process. Our dedicated settlement team provides the local expertise and proactive communication needed to navigate the final stages of your real estate transaction.
By managing the intricate details of escrow and document signing, we provide a structured, professional environment that ensures a smooth path to the keys.
What does this involve?
The sale of a property doesn’t have to be a complicated thing. When you hire City Title, we make the process as easy as possible for you, our client. We always put you first, give thorough explanations, communicate regularly, and meet every deadline. We understand all angles of real estate transactions and use our experience to make even the most complex transactions close smoothly.
What types of transactions do we handle?
Refinances
For Sale by Owner
Purchase and Sale of Residential Real Estate
Purchase and Sale of Commercial Real Estate
Title Examinations
FAQ’s
Got questions about your closing? From payment methods to paperwork, we’ve grouped everything you need to know into the categories below for a smooth, stress-free experience.
I’m not sure who to ask for when I call your office?
The office receptionist can direct your call based on your needs. All our staff members are listed on our website along with their specific areas of responsibility.
How do I get my buyer's loan to close with City Title?
Instruct your buyer and/or their loan officer to send us the order via fax or email.
Do you need my seller's SSN for any reason?
Yes. Please obtain Social Security numbers at the listing appointment. These are required to request and obtain payoff quotes for their current mortgage(s)
If my seller bought the property before marriage, does the spouse need to sign anything?
Yes. The spouse will need to sign the deed over to the new buyer at closing to convey their dower interest.
My buyer is married, but the spouse isn’t on the loan. Do they need to attend closing?
Yes. The spouse must sign the mortgage and other miscellaneous documents to register dower interest in the property.
My buyers are getting a VA loan. Does the termite report have to be an original?
Yes. FHA and VA loans require an original termite report that is less than 90 days old at the time of closing.
Can the seller tell me what title company I have to use?
No. Generally, whoever is paying for the title insurance has the right to select the title company.
Can you take personal checks at closing?
We accept a maximum of one personal check per buyer, not to exceed $1,000.
Are money orders considered "good funds"?
Yes. Acceptable “good funds” include money orders, certified checks, cashier’s checks, official checks, credit union checks, or wire transfers.
Can you take cash?
Yes, provided the amount does not exceed $9,999.99.
My seller is "upside down" and owes $792 at closing. Can he write a personal check?
No. Our policy requires certified funds for any amount owed by a seller at closing.
Can we show a $2,500 carpet allowance on the HUD?
If a lender is financing the transaction, their answer is typically no.
Can you cut a check directly to the buyer for the $2,500 repair allowance?
If the check cannot be cut to a third-party contractor, it is best handled outside of closing. We review these on a case-by-case basis, but the answer is “No” for 100% financing (Conventional or VA)
Our Promise to You
Real estate transactions occasionally hit bumps in the road. Our promise is to help you navigate those challenges and keep you informed every step of the way.
Get in touch with City Title
Contact an agent using our form for any questions or concerns.
Prefer to get in touch over the phone?
Call us on 937-324-5154 – 08:30 – 17:00, Mon – Fri
Prefer to get in touch over the phone?
Call us on 937-324-5154 – 08:30 – 17:00, Mon – Fri