Steps in the Title Process

Steps in the title process


An order for title insurance is opened when your loan officer orders a title, and Royal Title will produce the initial response promptly within 24 to 48 hours. A preliminary report can be issued with the minimum of information; without even identifying the buyer or the terms of the sale. It shows the record title as it presently exists and is only an offer to provide insurance.


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 title 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 asked by the examiner are: Would any of the recorded matters prevent the buyer from using the property for its intended purpose? Will the lender be in the 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 would ultimately impact the title.


When we identify impediments to closing a title transaction, we also offer assistance and solutions. By understanding the delicate balance of the interests of the parties to a transaction, and by professionally and courteously handling issues as they arise, we can capably guide a transaction to a successful conclusion.


Seller Checklist

  • Mortgage payoff information for all loans attached to the property (primary, second mortgage and HELOC). We will need the lender’s name and your loan number.
  • Social Security numbers for each person on the title. We use this information in obtaining the payoff from your current lender and also need to in some cases to confirm responsibility for tax liens or fifas attached to your property. It is also used for tax purposes.
  • Homeowners Association contact information, if applicable. This must include the name of the management company responsible for collecting your dues or the CFO of your HOA. A phone number and/or email address are appreciated.
  • Your termite Letter. Please bring the original letter to closing and email a copy for your files to Bryce Ayoso – prior to the closing.

Also remember to bring to your closing:

  • Original Termite Letter
  • Photo ID
  • Original Power of Attorney, if applicable

Buyer Checklist

  • Homeowners Insurance declarations page (includes the name of insurance company, premium amount, and due date). If you have already paid in full, please provide a paid receipt.
  • Please notify your closer in advance if you would like a Joint Tenancy Deed prepared for you and your spouse if he or she is not on the loan.

Also remember to bring to your closing:

  • Photo ID
  • Certified funds for the amount you need to close over $1,500. Please have the funds made out to yourself, and you can sign them over to our firm at closing
  • A checkbook to cover any changes to the Closing Disclosure that may occur at the closing table
  • Original POA, if applicable
  • Any additional documents required by your lender. For example, sometimes the lender will require a copy of the Closing Disclosure from the sale of your previous home