A calm, plain-English guide to your closing.
Buying a home is a big deal, and the paperwork can feel overwhelming. These guides explain title insurance, escrow, closing day, and how to keep your money safe — no jargon.
- For First-Time Buyers
- Plain English
- Wire-Fraud Safe
Guide
What title insurance actually covers.
Guide
Your closing-day checklist.
How Escrow Works, Step by Step
1. Open escrow
We open a neutral account and hold your earnest money the moment the contract is signed.
2. Search & clear title
We examine the public record and clear any defects so ownership can transfer cleanly.
3. Meet the conditions
Inspections, loan approval, and contract contingencies are tracked until every box is checked.
4. Close & disburse
You sign, we disburse funds and record the deed, and the home is officially yours.
⚠ Stay Safe
Protect your down payment from wire fraud.
First-Time Buyer FAQ
What is escrow, in one sentence?
Escrow is a neutral holding account where a trusted third party keeps the money and documents safe until everyone has done what the contract requires.Do I really need an owner's title policy?
It is optional, but it is the policy that protects you — your equity and your right to the home. For a one-time cost at closing, most buyers decide the peace of mind is well worth it.How do I make sure I do not get scammed on wire day?
Call our office at a number you look up yourself and verbally confirm wire instructions before sending funds. We will never change instructions by email.
Still Have Questions?
Talk to a real Keystone closer.
No question is too small. We are happy to walk you through your closing, step by step.