Lenders
Buying a home may be the biggest investment you will make in your lifetime. Working with a skilled real estate agent, knowledgeable mortgage lender, and an experienced title company is key to ensuring a successful home purchase. We treat each transaction as a partnership and are available to answer all questions, before, during and even after the settlement. We even offer free consultations and can point you to an experienced agent or lender to meet your needs.
Below are links to tips, guides and more, catered just for you, the buyer. We want you to have access to all the resources available for a smooth and successful closing! Click the images to view PDFs on all of the information you may need or call us with any questions.
Buyer Related FAQ’s
Both are legal instruments that secure your home loan. Maryland, DC, and Virginia all use deeds of trust rather than mortgages. The practical difference: a deed of trust involves three parties (borrower, lender, and trustee), which can make foreclosure slightly faster if you default. For most buyers, the day-to-day experience is identical — you make monthly payments and own the home subject to the loan.
In most Maryland, DC, and Virginia transactions, the buyer selects the title company — it’s one of their standard rights under the contract. However, sellers can negotiate title selection, and in some cases (such as new construction or certain investor transactions) the seller or builder may choose. If you’d like to work with RSI Title, let your agent know early in the process so it can be written into the contract.
In Maryland and DC, a licensed title company can conduct settlement without a separate attorney. In Virginia, an attorney must certify title, but a title company still handles the closing process. RSI Title works with licensed attorneys as part of our standard process in Virginia. If you’d prefer to have your own attorney present, you’re always welcome to bring one.
Buyers: government-issued ID and any lender-required documents.
Sellers: government-issued ID and wire instructions for sending net proceeds.
Your lender is required by law to issue a Closing Disclosure at least 3 days before settlement (for the Buyer). RSI Title will also provide your final settlement statement prior to closing. We can prepare preliminary statements so that you have an understanding of the costs well before the closing date.
Choosing RSI Title
Choosing RSI Title means choosing clear communication, transparent fees, and secure handling of your funds and documents. We combine local knowledge with technology-enabled options (including remote closings where available) to make the process efficient and stress-free. For details, timelines, or to schedule a closing, visit rsititle.com or contact our team today.