EDUCATION CENTER
Resources in plain English, FAQs, terms, checklists, and guides to make closings clear.
FAQ
Home-buyer & seller FAQs: no jargon, just answers.
Title & Escrow Basics
What is title insurance, and do I really need it?
Title insurance protects you from hidden issues like past liens, errors, or ownership disputes—so you don’t inherit someone else’s problem when you buy.
What does an escrow officer do?
Your escrow officer is the neutral party who holds funds, manages documents, and ensures both buyer and seller meet all terms before closing.
Who does the title company represent? the buyer? the seller?
A title company is a neutral third party, protecting both sides by handling paperwork and funds impartially.
Who does the title company represent, the buyer or the seller?
A title company is a neutral third party, handling the paperwork and funds to protect both sides of the deal.
Closing Process
How long does closing take in Arizona?
Most closings take 30–45 days from contract to keys. With proper preparation and communication, it can be faster
What fees should I expect at closing?
Closing costs usually cover lender, escrow, title, and recording fees. In Arizona, they average 1–3% of the purchase price.
What can delay my closing?
Missing documents, unresolved liens, HOA paperwork, or last-minute loan approval issues are the most common reasons closings get pushed back.
Buyer & Seller Concerns
Can I choose my own title company, or does the seller pick?
Either party can request their preferred title company; it’s negotiable and part of the purchase contract.
Do I need title insurance if I’m paying cash?
Yes. Even cash buyers should protect themselves from past claims or ownership disputes that could surface later.
What happens if a lien is discovered during closing?
The title company works with all parties to resolve it before closing, ensuring you receive clear title.
Arizona-Specific
What’s unique about closing in Arizona?
Arizona is an “escrow state,” meaning licensed escrow officers (not attorneys) handle the closing process. This makes transactions smoother, faster, and often less expensive than attorney-based states.
Does Arizona require both buyer and seller to be present at closing?
No. Many signings can be handled remotely or through a mobile notary, depending on the circumstances.
How does The Title Agency handle solar liens or HOA transfers?
We specialize in resolving solar liens and HOA requirements up front, preventing delays that are common in Arizona closings.
Want to work with our team?
Real people. Real answers. Right when you need them.
Get in Touch
About Us
Meet the Team
Services
FAQ
Glossary
Checklists
Education Center
Blog
Glossary
Disclosures
3850 E. Indian School Rd. Phoenix, AZ 85018
EDUCATION CENTER
Resources in plain English, FAQs, terms, checklists, and guides to make closings clear.
FAQ
Home-buyer & seller FAQs: no jargon, just answers.
Title & Escrow Basics
What is title insurance, and do I really need it?
Title insurance protects you from hidden issues like past liens, errors, or ownership disputes—so you don’t inherit someone else’s problem when you buy.
What does an escrow officer do?
Your escrow officer is the neutral party who holds funds, manages documents, and ensures both buyer and seller meet all terms before closing.
Who does the title company represent? the buyer? the seller?
A title company is a neutral third party, protecting both sides by handling paperwork and funds impartially.
Who does the title company represent, the buyer or the seller?
A title company is a neutral third party, handling the paperwork and funds to protect both sides of the deal.
Closing Process
How long does closing take in Arizona?
Most closings take 30–45 days from contract to keys. With proper preparation and communication, it can be faster
What fees should I expect at closing?
Closing costs usually cover lender, escrow, title, and recording fees. In Arizona, they average 1–3% of the purchase price.
What can delay my closing?
Missing documents, unresolved liens, HOA paperwork, or last-minute loan approval issues are the most common reasons closings get pushed back.
Buyer & Seller Concerns
Can I choose my own title company, or does the seller pick?
Either party can request their preferred title company; it’s negotiable and part of the purchase contract.
Do I need title insurance if I’m paying cash?
Yes. Even cash buyers should protect themselves from past claims or ownership disputes that could surface later.
What happens if a lien is discovered during closing?
The title company works with all parties to resolve it before closing, ensuring you receive clear title.
Arizona-Specific
What’s unique about closing in Arizona?
Arizona is an “escrow state,” meaning licensed escrow officers (not attorneys) handle the closing process. This makes transactions smoother, faster, and often less expensive than attorney-based states.
Does Arizona require both buyer and seller to be present at closing?
No. Many signings can be handled remotely or through a mobile notary, depending on the circumstances.
How does The Title Agency handle solar liens or HOA transfers?
We specialize in resolving solar liens and HOA requirements up front, preventing delays that are common in Arizona closings.
Want to work with our team?
Real people. Real answers. Right when you need them.
Get in Touch
About Us
Meet the Team
Services
FAQ
Glossary
Checklists
Education Center
Blog
Glossary
Disclosures
3850 E. Indian School Rd. Phoenix, AZ 85018
EDUCATION CENTER
Resources in plain English, FAQs, terms, checklists, and guides to make closings clear.
FAQ
Home-buyer & seller FAQs: no jargon, just answers.
Title & Escrow Basics
What is title insurance, and do I really need it?
Title insurance protects you from hidden issues like past liens, errors, or ownership disputes—so you don’t inherit someone else’s problem when you buy.
What does an escrow officer do?
Your escrow officer is the neutral party who holds funds, manages documents, and ensures both buyer and seller meet all terms before closing.
Who does the title company represent? the buyer? the seller?
A title company is a neutral third party, protecting both sides by handling paperwork and funds impartially.
Who does the title company represent, the buyer or the seller?
A title company is a neutral third party, handling the paperwork and funds to protect both sides of the deal.
Closing Process
How long does closing take in Arizona?
Most closings take 30–45 days from contract to keys. With proper preparation and communication, it can be faster
What fees should I expect at closing?
Closing costs usually cover lender, escrow, title, and recording fees. In Arizona, they average 1–3% of the purchase price.
What can delay my closing?
Missing documents, unresolved liens, HOA paperwork, or last-minute loan approval issues are the most common reasons closings get pushed back.
Buyer & Seller Concerns
Can I choose my own title company, or does the seller pick?
Either party can request their preferred title company; it’s negotiable and part of the purchase contract.
Do I need title insurance if I’m paying cash?
Yes. Even cash buyers should protect themselves from past claims or ownership disputes that could surface later.
What happens if a lien is discovered during closing?
The title company works with all parties to resolve it before closing, ensuring you receive clear title.
Arizona-Specific
What’s unique about closing in Arizona?
Arizona is an “escrow state,” meaning licensed escrow officers (not attorneys) handle the closing process. This makes transactions smoother, faster, and often less expensive than attorney-based states.
Does Arizona require both buyer and seller to be present at closing?
No. Many signings can be handled remotely or through a mobile notary, depending on the circumstances.
How does The Title Agency handle solar liens or HOA transfers?
We specialize in resolving solar liens and HOA requirements up front, preventing delays that are common in Arizona closings.
Home
About Us
Meet the Team
Education Center
Want to work with our team?
Real people. Real answers. Right when you need them.
Get in Touch
About Us
Meet the Team
Services
FAQ
Glossary
Checklists
Education Center
Blog
Glossary
Disclosures
3850 E. Indian School Rd. Phoenix, AZ 85018