What title insurance does
Title work searches ownership history and exceptions so covered title risks can be handled before and after closing.
Buyers & Sellers
A clearer closing experience for people who do not do this every week.
Buying or selling property involves title, escrow, payoffs, taxes, signatures, wires, recording, and insurance documents. Keystone’s consumer page explains the sequence without burying people in title-industry shorthand.
The best consumer title page lowers anxiety before closing week.
Most buyers and sellers are not looking for a glossary. They want to know what happens next, what they need to bring, when money moves, who verifies wire instructions, and why final numbers can change.
Buyer & seller protection
CertifID-backed workflows belong in the transaction path, not buried in a disclaimer.
For consumers, the payment process is often the scariest part. Keystone should make the safe path obvious: verify before wiring, request secure payment links when available, and never send sensitive details through ordinary email.
Why funds are held
Escrow helps coordinate money, documents, lender requirements, payoffs, proceeds, and recording in the correct sequence.
Before you send money
Call to verify instructions using a trusted number. Do not rely on changed instructions sent by email.
Why prorations matter
Property taxes are often prorated between seller and buyer based on ownership days and contract terms.
What to expect at closing
Bring required identification, review final documents, ask questions, and do not rush wire or proceeds instructions.
Recording and policies
After documents record, final owner and lender policies and other closing documents follow the transaction timeline.
Before closing, confirm these items.
A little preparation prevents most closing-day panic.
- IdentificationBring current government-issued ID and ask ahead if names, trusts, entities, or powers of attorney are involved.
- Funds and proceedsVerify wire instructions by phone. Sellers should confirm proceeds method and payoff expectations.
- NumbersReview the settlement statement and ask about taxes, credits, payoffs, lender fees, title charges, and recording fees.
- LogisticsConfirm location, time, parking, signer availability, remote/mail-away needs, and whether anyone needs special accommodations.
Consumer routing
Use the page based on what you are trying to understand.
Common questions
What people usually ask before the file moves.
Why did my final cash-to-close or proceeds change?
Figures can change because of lender updates, tax prorations, payoff quotes, recording fees, HOA charges, credits, inspection items, or contract revisions.
Can I email wire instructions?
Do not rely on email alone. Call using a known verified number before money moves, especially if instructions changed.
When do sellers receive proceeds?
Timing depends on signing, funding, recording, lender requirements, and method of proceeds delivery.
Start here
Ask a closing question before it becomes urgent.
Send enough context for Keystone to route the request correctly. Do not send bank details, wire instructions, Social Security numbers, or driver’s license numbers through this form.