Can I shop for title insurance?

YES, and we hope you do.  We are confident that if you shop around for title insurance and closing services, you'll pick The Closing Specialists.

Here at The Closing Specialists we have transparency in pricing and have carefully crafted our services to give you plenty of choice.

If all you need is title insurance and closing, that's all included in the title insurance premium.   You can use the purchase or refinance calculators in the privacy of your home to figure the premium.

If you need something extra, you can easily see our a la carte menu of extra products and services.

We do closings 8 to 8 Monday thru Friday and 10 to 5 on Saturday.  That's pretty darn convenient, eh?

So, what else do you shop for when you shop for title insurance?  

How about quality of service.  When you choose The Closing Specialists you work with a team of experienced title professionals AND we answer the phone

We are HUMAN and we are ON SHORE in the USA.  Sounds like an odd way to sell ourselves but did you know that lots of title insurance nowadays is backed by an automated search with the typing done in a far away land?

We do our own closings and we PROTECT YOUR PRIVACY.  We understand privacy laws and we guard your private information.  At The Closing Specialists we would NEVER hand your private financial documents to a non-employee.  The closer who sits at the table with you to review your private transaction is an experienced member of our staff and is fully covered by our insurance and bonding.

We GIVE YOU INFORMATION so you can make intelligent decisions and be an informed consumer before you go to closing.  At The Closing Specialists, we send you a copy of the title insurance commitment as soon as it is issued.  If you want to review a document you see referenced, we get that document to you so you can take the time to read it before you get to closing.

We work for YOU. 

Making closings convenient and not charging extra for that service.

In Pennsylvania the state Department of Insurance allows title insurance agencies to charge extra for out of office closings and after hours closings. This is why most real estate closings take place during the business day and folks travel to the office of the title agent or attorney. Consumers take off work and spend gas money to avoid having to pay a large settlement fee.

When YOU use THE CLOSING SPECIALISTS we come to YOU and we do it 8 to 8 Monday thru Friday and 10 to 5 on Saturday.

Check out our regular service area and I'll bet YOU live there.  If you do, we come to YOU at no extra charge. That's right, NO SETTLEMENT FEE.

Cool, huh?

Why are rates on SALE?

I was visiting with my sister over the weekend and she's a real estate agent so I asked how she liked our new title insurance rate calculators. She said she liked the calculator but didn't understand the SALE rate. When was the sale over and what would the rates be then? WOW. That's a great reminder and lesson about how words that make sense if you have inside information can mean something entirely different if you don't have that information. What am I talking about?

The new TIRBOP rates which go into effect today, July 1, 2012, are categorized as SALE or NON-SALE.  Gone are the old words we knew, BASIC and REISSUE.  For most transactions this is all you need to know:

SALE = purchase
NON-SALE = refinance

Since my goal with our newly designed web site is to make what is said here consumer friendly, I decided to change our calculators to simply say PURCHASE and REFINANCE. I removed the words SALE and NON-SALE because YOU don't care about insider TIRBOP kinda stuff, YOU just want to know what your title insurance premium will be, right?

So, here's a hug to my sister, Claire, for helping me help YOU.  ;)


Getting ready for the July 1 rate change in Pennsylvania

If you are refinancing or purchasing real estate in Pennsylvania, you'll want to know that title insurance premiums are being changed with closings dated July 1, 2012 or later.

You can use our title insurance premium calculators - refinance and purchase - to determine your updated premium. Here at The Closing Specialists we don't charge a settlement fee so there is no extra charge to perform your closing in our regular service area.

Ordering title is easy. Just give us the basics and let The Closing Specialists do the rest!

Welcome to The Closing Specialists

The title insurance agency with loads of experience and a focus on YOU, the consumer.

At The Closing Specialists you'll get plenty of personal attention. We can answer your questions about the closing process in plain English, and will walk you through your home purchase or refinance, one step at a time. Our goal is to make closing a pleasant experience for everyone.

Oh, I almost forgot the best part.  We don't charge a settlement fee.  We'll come to YOU to perform your closing at NO EXTRA COST.   No signing agent fee or settlement fee.

We think that's a ROCKING GOOD DEAL!

Diane Cipa
General Manager