Residential Real Estate

Frequently Asked Questions

Questions we hear most often.

What is title insurance and why do I need it?

Title insurance protects you against problems with the ownership history of the property — an unpaid lien, a mistake in an old deed, an unknown heir, or a recording error. Our title examination looks for those issues before you close, and the policy covers you if something surfaces afterward. Lenders require their own policy; an owner's policy is a one-time premium that protects your equity for as long as you own the home.

How long does a typical closing take?

From contract to closing, a typical Granville County residential purchase runs about 30 to 45 days, driven mostly by the lender's underwriting timeline. The closing appointment itself usually takes 30 to 60 minutes. Under North Carolina practice, the transaction is final once the deed and deed of trust are recorded and funds are disbursed — normally the same day or the next business day.

What should I bring to my closing appointment?

Bring a valid government-issued photo ID for every person signing, and certified funds or a completed wire for any amount due (we will confirm wiring instructions with you by phone — never trust instructions sent only by email). If you are married, your spouse may need to sign even if they are not on the loan. Buyers should also bring proof of homeowner's insurance, and sellers should bring payoff information for any existing mortgage.