THE TITLE Process (steps can vary)

InFocus Title receives the executed contract and earnest money.

The contract is receipted by InFocus Title.

Title is opened. The file is assigned a GF number, and Earnest Money is deposited. InFocus Title will then begin the title search, and we order the tax certificate and HOA documentation. We request any sellers' or buyers' information needed, including information needed to order the payoff and survey if needed.  

The history of the property is checked. The title search includes a list of the owners of record, liens, encumbrances, lawsuits, divorces, and any other factors that could put a cloud on the title or effect the transfer of title.

  Once all the title documents are compiled, the examiner reviews them and issues a commitment.

After the commitment is created, our Escrow Officers and assistants work with the sellers to clear the items listed in Schedule C of the Title Commitment. Those are the items that must be cleared from the title for the underwriter to issue a title policy. The buyer and seller receive a copy of the commitment along with the lender and agents. In this packet, the commitment and the tax certificate is delivered along with the wiring instructions.

The Seller’s Information is requested which includes the payoff information along with a copy of the survey.

A closing time is scheduled with all parties.

All lender-requested closing documents are delivered by InFocus Title, and we prepare everything to facilitate a smooth closing day.

On closing day, the Buyers and Sellers sign the closing documents. Once the lender reviews all of the signed documents and approves them, funds are disbursed through InFocus Title.  Legal documents are recorded at the County Clerk’s Office.

After closing, the Owner’s and Lender’s title policies are issued and delivered in the mail.