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California Buyer Title and Escrow Process

Selling a house? Unsure what to expect as you close? Our experts break down the steps you’ll go through when it comes to title and escrow.

  1. Your offer on a home has been accepted 
  2. A title search is conducted on the property to determine the status of title 
  3. You put your earnest money into escrow, likely working with an escrow officer  
  4. A preliminary title insurance report is given to you – be sure to read it carefully
    Learn more tips and tricks for reading a preliminary title insurance report.
  5. Escrow orders payoff demands for mortgages and other liens recorded against the property  
  6. You secure home insurance and provide proof of it to your escrow officer 
  7. Loan documents are submitted to escrow on your behalf 
  8. Escrow arranges the signing of documents 
  9. Escrow registers the sale with the county, updating ownership records 
  10. Escrow disburses funds per the terms of the transaction 
  11. Your real estate agent gives you keys: you officially own a home, congratulations! 
  12. The title insurance policies are issued to you, the new homeowner, and to the lender 

This article is part of the Home Buyer Guide.