Most closings come together in one to two weeks, though a tangled title can stretch that out.
- Safe holding of earnest money deposits and down payments in secure escrow accounts.
- Deep research of public records to find hidden liens, unpaid taxes, and boundary disputes.
- Clearance of complicated heirship issues for older family properties in rural areas.
- Preparation of all legal deeds, transfer paperwork, and mortgage lender documents.
- Mobile notary and remote online closing options for busy shift workers and military members.
- Official recording of your new deed with the local South Texas county clerk.
Regulated under the Texas Department of Insurance's title insurance rules
Questions people ask about real estate closing services
Do I have to use the title company my real estate agent recommends?
No, you have the legal right to choose any licensed title company in Texas. While agents suggest companies they know are reliable, you are free to shop around for the office that offers the best customer service or most convenient location.
What is the difference between an Owner Policy and a Lender Policy?
A Lender Policy only protects the mortgage company's investment if an ownership dispute arises later. An Owner Policy is a separate coverage that protects your personal equity and down payment. Lenders require their policy, but getting an Owner Policy is highly recommended to protect your own money.
Are there local county transfer taxes when closing a property in Texas?
No, the state of Texas does not charge a real estate transfer tax. Your closing costs will consist of title insurance premiums, escrow fees, recording fees, and loan charges, but you will not have to pay a government transfer tax.
How do we clear title on a family property where the owner died without a will?
Local escrow teams utilize affidavits of heirship or probate court filings to legally identify the rightful heirs. This process involves tracing family history, locating witnesses who knew the deceased, and filing new deeds to clean up the ownership chain.
Is there an option for bilingual Spanish services for my parents?
Yes, many independent closing offices in communities like Robstown, Kingsville, and Alice employ fluent bilingual escrow officers. They can explain every closing document in Spanish to ensure your family fully understands what they are signing.