Buyer & Seller Guide

Buying or selling a home should feel exciting not overwhelming. At Mutual Title Agency, we’re here to guide you from signing to sold, with clarity, communication, and a little fun along the way. 

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Why Title Insurance
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Protection from past problems
Title insurance covers defects such as unpaid mortgages, liens, heirs who weren’t notified, mis-recorded deeds. 
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One-time cost, 
lifelong peace of mind
You pay once at closing; coverage lasts as long as you own the home or repay the loan. 
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Title agents do the legwork
We research, fix issues before closing, coordinate with lenders, attorneys, and agents. Saving you stress, time, and headaches.

 The Team 

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Mutual Title Agency
(your settlement/title team) The neutral, behind-the-scenes orchestrators.
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You (Buyer or Seller)
Your main role: sign documents, provide IDs, funds, and ask questions. 
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Real Estate Agent(s)
Help negotiate, find properties, and offer support. 
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Mortgage Lender/Loan Officer
Pre-approve buyers and draw up the financing. 
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Home Inspector & Appraiser
Assess property condition and value for buyers and lenders. 
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Real Estate Attorney
(if required) May assist with legal review or negotiation. 

The Process

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New Contact
Buyers
Once you and your agent agree on price and terms, you submit a written contract and usually an earnest money deposit, a small sum held in escrow to show your commitment.
Sellers
This is your green light to initiate the process: transfer of property is now underway.
Mutual Title Agency enters here:
With over a century of combined experience, our team treats every transaction with care and expertise. 
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Title Search
We comb through public records, deeds, mortgages, liens, judgments, wills, divorce decrees, taxes, anything that could cloud title. We issue a title commitment (preliminary report) that shows what’s clear and what needs fixing. Our job is to spot and resolve any title issues, arranging for payoff of liens or other hurdles so the property transfers cleanly.
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Processing
We assemble the paperwork: loan docs, deed, closing statement, escrow instructions, prorations, signed agreements, and your title insurance policies. You’ll see closing figures, know what to bring, and get updates along the way because good communication matters.
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Closing Day
Time to sign! Any existing loan is paid off confidently and securely. We manage funds through escrow, collect closing costs, and make sure everyone who’s owed money gets paid from agents to mortgage lenders.
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Recording
We record the deed with the county, disburse final funds, and send the Owner’s Title Policy to you and the Lender’s Policy to your lender. Your title insurance safeguards your ownership for as long as you own the property or with mandatory mortgage insurance for the life of the loan.

 Tips! 

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Choose a responsive team
From the first call to final signature, communication should be clear, frequent, and proactive.
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Be prepared early
Get pre-approved, gather documents, plan signings, and schedule inspections early to avoid delays.
 
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Ask questions!
Wondering about closing costs, signing in your home, or title coverage? Mutual Title Agency gives you direct access and no voicemail rabbit holes.

Ready to start closing? So are we.

Submit your order online and we’ll take you across the finish. Have questions? Let’s chat!

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