Frequently Asked Questions

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What does a title company do?

A title company ensures that the title to a piece of real estate is legitimate and free of issues before it is transferred. We handle title searches, escrow services, and settlement/closing to protect both buyers and lenders.

Why do I need title insurance?

Title insurance protects you and your lender against potential legal claims or disputes over ownership of your property. It provides peace of mind by covering issues that may not be discovered during the title search, such as hidden liens, errors, or fraud.

What is the difference between lender’s title insurance and owner’s title insurance?

Lender’s Title Insurance protects the lender’s interest in the property.
Owner’s Title Insurance protects the homebuyer’s ownership rights. Both are important, but the owner’s policy ensures your investment is protected.

What is escrow?

Escrow is a neutral account where funds are held until all parts of the real estate transaction are complete. The title company manages escrow to make sure money is distributed correctly at closing.

How long does the closing process take?

The timeline varies depending on the transaction, but most closings take 30–45 minutes once all paperwork and funds are ready. We strive to make every closing smooth and efficient.

Do I need to attend closing in person?

In most cases, yes — but remote or electronic closings may be available depending on state regulations. Our team will explain your options.

What happens during closing?

During closing, all parties review and sign the required documents, funds are disbursed, and ownership of the property is officially transferred. Once complete, you’ll receive the keys to your new home!

How much are title and settlement fees?

Fees vary depending on the property’s location, price, and complexity of the transaction. We provide a detailed quote upfront so there are no surprises.

What makes Capitol Settlements different from other title companies?

Capitol Settlements is an attorney-owned title company, backed by a full-service law firm and a team of licensed title agents with over 30 years of experience. Our deep legal knowledge ensures compliance and gives clients confidence that their transactions are handled with the highest level of care.