Your first step happens right away. Your Earnest Money Deposit confirms your commitment and moves your transaction forward.

Timing: The EMD is usually due within three (3) business days of ratification unless your contract states otherwise.

Ways to Submit:

• Wire Transfer – Confirm details directly with our team to avoid fraud

• Check Delivery – Drop off at Equity Title and Escrow office

• Remote deposit through the Bankshot app - the secure platform we use to make this process simple and efficient

Important: Wire fraud is a serious risk in real estate transactions. Always verify instructions directly with your Equity Title and Escrow team before sending funds.

After your EMD is received, you’ll receive access to your personal closing portal, powered by Qualia — the leading secure settlement platform in the industry.

Inside, you can:

• Upload required documents safely

• View important dates and deadlines

• Track the progress of your closing in real time

• Receive secure messages from our team

Your Qualia portal keeps everything organized and secure, think of it as your digital roadmap to settlement day.

Your lender now takes center stage, but we’ll stay closely connected. During this time, you may need to:

• Provide additional bank statements, pay stubs, or tax returns

• Review and sign disclosure documents

• Respond quickly to requests to keep your timeline on track

We’ll work hand-in-hand with your lender to make sure all requirements are met before settlement.

While your lender finalizes financing, our team completes a comprehensive title search. This ensures:

• Clear ownership of the property

• Identification of any liens, judgments, or encumbrances

• Verification of legal property description

We’ll then prepare your title commitment and issue title insurance to protect your ownership rights.

As your settlement date approaches, we’ll coordinate with your lender, realtor, and all other parties to prepare your final documents. Here’s what you’ll receive in advance:

• Preliminary Closing Disclosure from your lender (at least 3 business days before closing)

• Settlement Statement (ALTA) outlining every credit and charge in your transaction

Review these carefully — they’ll show you exactly what funds you’ll need to bring to closing.

The big day has arrived! At your closing appointment, you will:

• Review and sign all loan and settlement documents

• Provide any remaining funds (via wire or certified funds only)

• Receive keys and final confirmation of ownership transfer

Congratulations — you’re officially a homeowner!

Your journey doesn’t end once the ink is dry. After settlement, we’ll:

• Record your deed and mortgage with the county

• Deliver your final signed documents electronically for safekeeping

• Issue your owner’s title insurance policy, protecting your investment for as long as you own the property