Purchasing real estate is a major investment, whether it’s your first home, a commercial property, or a long-term rental. One of the most critical—and often overlooked—parts of that process is ensuring the closing is executed properly and the title is insured. At Cipparone & Cipparone, we provide clients with the legal guidance and peace of mind they need when completing real estate transactions.
Planning a real estate transaction? Make sure it’s protected from start to finish with expert closing services and title insurance from Cipparone & Cipparone.
What Is a Real Estate Closing?
The closing is the final step in a real estate transaction where ownership officially transfers from the seller to the buyer. It includes a mountain of documentation, the exchange of funds, and legal checks to ensure the transaction is valid. Without proper oversight, the closing process can result in errors, delays, or even financial losses.
During a typical closing, you can expect:
- Final review and signing of the sale contract
- Confirmation of financing
- Payment of closing costs and settlement fees
- Issuance of the title and recording of the deed
- Delivery of keys or access to the property
Our role as attorneys during this process is to ensure that every document is accurate, enforceable, and properly filed—so that nothing jeopardizes your investment later.
The Role of Title Insurance
Title insurance protects buyers and lenders from potential legal claims against a property. These claims could include unpaid taxes, conflicting wills, fraud, or undisclosed heirs—all of which could threaten your ownership even after purchase.
There are two main types of title insurance:
- Lender’s Title Insurance: Required by most mortgage lenders, this protects their financial interest in the property.
- Owner’s Title Insurance: Optional but highly recommended, this protects your personal ownership rights and is typically paid once at closing.
At Cipparone & Cipparone, we partner with reputable underwriters to issue reliable title insurance policies. We also conduct thorough title searches in advance, identifying and resolving issues before closing.
Why Legal Oversight Matters
Real estate agents and title companies can facilitate transactions—but they cannot offer legal advice. Only a licensed attorney can interpret complex documents, clarify your legal obligations, and represent your best interests if something goes wrong.
Our team helps with:
- Reviewing purchase agreements
- Identifying easements, encroachments, or liens
- Negotiating repair or credit contingencies
- Ensuring property taxes and HOA dues are paid
- Coordinating with lenders and insurers
- Overseeing recording with the county
Our comprehensive legal services ensure a smooth and legally sound closing—no surprises, no unnecessary risk.
Common Closing and Title Issues We Help Avoid
Even the most straightforward transactions can run into roadblocks. We regularly help clients resolve:
- Boundary disputes or outdated surveys
- Clerical errors in public records that delay deed transfers
- Unreleased prior mortgages that could cloud the title
- Probate complications when a seller’s ownership is tied to a deceased individual
- Unexpected liens from contractors, municipalities, or ex-spouses
Without proper legal representation, these issues can delay closing—or worse, result in post-sale legal action.
Cipparone & Cipparone’s Approach
We pride ourselves on clear communication, meticulous attention to detail, and timely execution. When you work with us, you can expect:
- Clear explanations of each step in the process
- Transparent, up-front pricing with no surprise fees
- Personalized guidance tailored to your transaction
- Close coordination with lenders, inspectors, and brokers
- Full protection through appropriate title insurance
Whether you’re a first-time buyer or an experienced investor, our team ensures your property purchase is secure and your interests are fully protected.
Final Thoughts
Real estate transactions are too significant to leave to chance. An error in your closing documents or a missed title issue can create major problems long after the deal is done. With Cipparone & Cipparone by your side, you gain more than a service provider—you gain a legal advocate who will protect your interests from contract to closing.
Let us handle the legal side so you can focus on moving forward with confidence.
**This blog is for general informational purposes only. Cipparone & Cipparone, P.A. does not distribute legal advice through this blog. As such, this blog does not constitute legal or other professional advice, and no attorney-client relationship is created between the reader and Cipparone & Cipparone, P.A.
Categorized in: Real Estate Law