Buying a home

Buying a home is a big moment in your life, and one of your most important investments, why not protect it?

Title Insurance provides coverage for certain losses to the title that occurred prior to your ownership. Title insurance protects against such prior fraud or forgery that might go undetected until after closing and possibly jeopardize your investment.

When you buy a home, you expect to enjoy certain benefits; a one-time premium is all the title insurance will cost you! Title insurance offers many beneficial aspects such as protecting your home against title defects and forgery.

What to bring to settlement:

Please bring a valid government-issued photo Identification card. If you are expected to bring funds to closing, anything over $900 should be in the form of a certified check. A personal check may be written for anything lower than this amount or you may wire funds to our escrow account(s).

Buyers’ Checklist:

– Preparing for your Signing with Central Title: 

  • Let us know if you’ll be out of town during the closing/signing time.
  • Keep your schedule flexible.
  • Appointments for buyers typically take about 45-60 minutes.
  • Review your Closing Disclosure prior to signing appointment.
  • All people included in the transaction and on the loan will need to sign documents.
  • Identification: Current driver’s license or other government form of picture ID.
  • Social Security Number.
  • Check in with your lender to make sure they have all the information they need from you.
  • Any funds required for closing should be wired from your bank.
  • Have your fire and hazard insurance in place for the new home.

These items should be taken care of in advance of the signing appointment, but just in case…

  • If the property is to be held in a trust, we will need a copy of the trust certification.
  • If a Power of Attorney is to be used, we will need to know this in advance.

Visit our Utilities page to view a list of local utility contacts in your area!