If you’re looking for a ‘one-stop shop’ for all your title, escrow, and closing needs, then look no further.– Low VA Rates
WHAT WE OFFER
Streamlined Closing Process
With Close Happy®, lenders can avoid the stacks of paperwork and go digital – streamlining their entire real estate transaction process from the application to the closing.
Close Happy® provides a simple method of real-time communication between the lender, the real estate agent, and the borrower to move the closing process along in a smoother and speedier manner that keeps all involved parties up to date on the progression.
We provide borrowers the ability to electronically scan and sign closing documents from their home, office, local coffee shop — anywhere! This allows everyone involved to spend more time doing the things they love – like watching soccer – and less time worrying about title, home, and loan closings.
Life can be hard enough without adding the hassle of the title closing process, so why not make life easier and Close Happy®
FLEXIBLE FULL-SERVICE CLOSING OPTIONS
With Close Happy® you have access to a variety of closing options at your disposal. No matter which option you choose we will allow you to close when and where you want!
Traditional Real Estate Closing
The classic paper and pen method of closing requires a notary to be present and can take over an hour. We even allow you to close when and where you want!
Only a portion of the documents are signed electronically. Key documents like promissory notes and security instruments are printed and signed while other closing documents are signed electronically via phone, tablet, or a desktop browser. Notary is required for some documents.
The entire closing process is done digitally.
A drive-up, no contact closing!
Our newest, proprietary video closing process allows you to close from your home, office, family vacation, or anywhere you have access to any video capable device.
With our centralized processing, we offer our full scope of title services and loan closings throughout Utah, all from a centralized location.
With Close Happy® and Royal Title™, you can avoid having to jump through the hoops of calling multiple regional or state offices. We provide you with one point of contact in a centralized location for every stage of the title process for simplified communication and a more efficient closing process—no matter what state your closing is in.
As a technology-driven, customer service-oriented company, we can service you anywhere in the State of Utah. So, no matter you, your client, and the property are located, in Logan, St. George, or anywhere in between, Royal Title™ has you covered. No matter where you are, you will have one point of contact to guide you through the transaction from beginning to end.
With Royal Title™, loan officers can close loans all over the State of Utah by utilizing the same title team every time. We also ensure uniform closing fees and pricing for both purchase and refinance no matter where your closings take place.
SIMPLE TITLE ORDERING
Unlike other competitors, when a title order is placed with Royal Title™, the order is sent to a centralized location.
Royal Title™ can even integrate with Encompass and los systems making title ordering simple and immediate for lenders. Title and closing documents are delivered in real time though the integration. It is even possible to have your title delivered clear to close within one hour of your order where available.
This is possible because of Royal Express™ – one of the cutting-edge technologies that we utilize that uses a data analytics tool in order to determine if a general index search can be avoided. By avoiding this step in the process, a title can be completed with a commitment and a clearance to close in a matter of minutes rather than days.
Real Estate Closing Experts
The laws of real estate transactions are complex and always changing. To have fast and successful transactions, you need a title company that knows the ins and outs of real estate law and the local settlement customs of your client’s area state by state.
That’s where we can help. Royal Title™ has all the resources to protect your client and secure your data, all while enhancing your reputation with customers. No matter where in the country you’re located, we can help you with any transaction—purchasing, refinancing, and short sales—so you can focus on what you do best. Our goal is to help you with the entire real estate closing process—all from one reliable source, so you can Close Happy®.
YOUR GO-TO RESOURCE FOR TRANSACTION COORDINATION
Through years of experience, our title professionals have gathered vast knowledge—allowing them to provide you with brisk assistance with any sort of closing transaction, including over 100,000 VA loans and mortgage transactions:
- Real Estate Title Searches
- Insurance Binders
- A Whole Lot More
STEPS IN THE ROYAL TITLETM PROCESS
Initial Request for Title Insurance
An order for title insurance is opened when the loan officer orders a title. Royal Title™ will produce the initial response promptly within 15 minutes if we are integrated with you.
A preliminary report can be issued without even identifying the buyer or the terms of the sale. This shows the public record title as it presently exists, and it is only an offer to provide insurance.
On-Site Searching and Examining
Royal Title™ performs three searches: property, name, and tax searches. From that information, a preliminary report is created. Our on-site title department expedites the process of obtaining hard copies of recorded documents. Imaging helps to expedite searches with the ability to obtain documents online.
The skill and expertise of our title officers and attorneys is the key to providing you with a useful, accurate title report. Once the report is issued, the review begins by making a technical analysis of the documents of record. An interpretive view of all recorded matters is made to evaluate their impact on the title to the property.
Among the questions the examiner asks are: Would any of the recorded matters prevent the buyer from using the property for its intended purpose? Will the lender be in first position? Can antiquated leases be eliminated from the policy per a review of the current leases?
In anticipation of ALTA coverage, a site inspection is ordered. From the inspection report, the initial title product is supplemented to show any encroachments or other off-record matters which could ultimately impact the title.
We Earn Your Respect with our Skills, Service and Solutions
When we identify impediments to closing a transaction, we also offer assistance and solutions. By understanding the delicate balance of the interests of the parties involved in a transaction and professionally and courteously handling issues as they arise, we can guide a transaction to a successful conclusion.
THE LAST THING THE BORROWER REMEMBERS IS THE CLOSING…
YOU ARE ONLY AS GOOD AS YOUR CLOSING, SO CLOSE HAPPY®