Frequently asked questions.
Closing & Timeline
How long does closing take in Arizona?
Most closings run 30-45 days from contract to keys. Cash deals can close in as little as 10-14 days. Inspections, appraisals, HOA documents, and lender conditions are the most common things that move the date.
What actually happens between contract and closing?
Escrow opens, TITLE is searched, inspections and appraisals are ordered, the lender finalizes underwriting, HOA documents are pulled, and a settlement statement is prepared. Your TITLE and escrow team coordinates all of it behind the scenes.
What can delay a closing?
Lender conditions, unresolved liens, missing HOA disclosures, repair negotiations, and wire timing are the usual culprits. Early communication between agent, lender, and escrow keeps almost all of these from becoming a problem.
TITLE & Escrow
What is TITLE insurance, and do I really need it?
TITLE insurance protects you from hidden issues like past liens, recording errors, forged documents, or ownership disputes. It is a one-time premium at closing that protects you for as long as you own the home.
Who does the TITLE company represent?
A TITLE company is a neutral third party. We do not represent the buyer, the seller, the lender, or the agent. Our job is to handle documents and funds accurately so the transaction closes cleanly for everyone.
What is the difference between owner's TITLE and lender's TITLE?
Lender's TITLE protects the lender's interest for the loan amount. Owner's TITLE protects you, the buyer, for the full purchase price. In Arizona, the seller customarily pays for owner's TITLE.
Costs & Funds
What fees should I expect at closing?
Closing costs typically include lender, escrow, TITLE, recording, and prorated items like taxes and HOA dues. In Arizona, total costs usually land between 1% and 3% of the purchase price.
How do I send funds to closing?
Funds are sent by wire to the escrow account. Always confirm wire instructions by phone with a number you already have on file. Never trust wire instructions sent only by email.
When do I get my money back if a deal falls through?
Earnest money is released according to the cancellation instructions signed by both parties. If there is a dispute, escrow holds the funds until both sides agree in writing or a court directs otherwise.