Agents
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
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.
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.
We recommend wiring your cash-to-close at least 24 hours before your scheduled settlement time. Always call our office to verbally verify wire instructions before sending — never rely solely on emailed wire instructions, as wire fraud is a real risk. Once funds are verified received, we’ll confirm you’re clear to close.
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.
This is exactly why the title search happens before closing. If a lien, judgment, or defect is found, we work with the seller and their title to resolve it before settlement. Common issues include unpaid contractor liens, estate matters, or old mortgages that were paid off but never formally released. Most issues are resolvable — and catching them early is the whole point.
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.