The Title Process: A Buyer's Guide

From offer accepted to keys in hand.

Buying a home is one of the biggest financial decisions of your life. Understanding the title process helps you feel confident and prepared from the moment your offer is accepted through the day you receive your keys.

Step 1 — Opening Escrow

Once your purchase contract is signed, your real estate agent or lender will send it to the title company to open escrow. This officially starts the title process.

Step 2 — Title Search

The title company searches public records to verify the seller's ownership, identify any liens or encumbrances, and ensure the title is clear for transfer. This typically takes 3–5 business days.

Step 3 — Title Commitment

You'll receive a title commitment outlining any exceptions or conditions that need to be addressed before closing. Review this document carefully with your agent or attorney.

Step 4 — Closing Day

At the closing table, you'll sign all loan and transfer documents, pay your closing costs and down payment, and receive the keys to your new home. Cottonwood Title & Escrow will guide you through every document and answer every question.