What to expect at closing with a title company

Closing is the final step of a sale, when the paperwork is signed and money changes hands. When you sell to Keyline, closing happens at a licensed title company. Here's what that generally looks like.

What a title company does

A title company is a neutral third party. It typically researches the property's ownership history, identifies liens or other issues that must be cleared, holds funds in escrow, prepares closing documents, and makes sure everyone is paid correctly. It often issues title insurance as well.

Before closing day

• Title search: the title company checks for mortgages, liens, unpaid taxes or ownership questions.
• Payoffs: if you have a mortgage or liens, the title company requests payoff amounts so they can be paid at closing.
• Clearing issues: if something turns up, like a missing signature from a past sale or an heir who needs to sign, the title company explains what's needed. This is the most common reason timelines move.
• Settlement statement: you'll get a document showing the sale price, every cost and payoff, and the amount you'll receive. Review it and ask questions.

What to bring

• A valid government-issued photo ID for each person signing.
• Keys, garage openers and any codes for the house.
• Anything else the title company asks for, such as estate or trust documents.

Closing day

You'll sign the deed and closing documents, usually with a notary present. Some title companies offer mobile notaries or remote options if you can't come in person — ask ahead of time.

How you get paid

After documents are signed and funds are in place, the title company pays off any loans or liens and sends you your proceeds, typically by wire transfer or check.

A note on wire fraud

Scammers sometimes send fake emails with “updated” wiring instructions. Always confirm wiring instructions by calling the title company at a phone number you know is real — not one from an email.

Questions about how closing works with us? Get in touch.