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
RSI Title acts as a neutral third party that coordinates the entire closing. We conduct the title search, prepare all documents, collect and disburse funds (including your down payment and lender proceeds), issue title insurance, and record the deed after closing. We make sure money and property legally change hands at the same moment.
Always confirm wiring instructions with our office by phone (301-610-7777) before sending funds. RSI Title will never change wiring instructions via email at the last minute. You should never accept wire instructions from anyone other than the title company. Wire information should be never be verified number listed on the wire instructions.
Buyer closing costs typically include:
- Lender fees (origination, appraisal, underwriting)
- Title search and title insurance premiums
- Settlement/closing fee
- State and county recordation/transfer taxes
- Prepaid interest, homeowner’s insurance, and escrow reserves
Total buyer closing costs generally range from 2–5% of the purchase price in the MD/DC/VA area. Your Loan Estimate from your lender will give you a detailed breakdown.
After settlement is complete and all funds are confirmed, we submit the deed and deed of trust to the county land records office — typically within 1–3 business days. Due to some county processing backlogs, the official recording date on the documents may be a few days after your closing date. Your title insurance coverage begins on your closing date regardless.
Yes! Title insurance protects you against hidden defects in the property’s ownership history — things like an undiscovered lien, a forged deed in the chain of title, or an unknown heir with a claim to the property. Your lender will require a Lender’s Policy and we will issue an Owner’s Policy at closing — it’s a one-time premium that protects your equity and property rights for as long as you (or your heirs) own the home.
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.