Capital Title Insurance Agency

🏡💼 What Are “Settlement Services” at Closing?

When you hear “settlement services” during a real estate closing, it simply means all the work that happens behind the scenes to make your home purchase official and safe ✅

🔍 Settlement services typically include: 📝 Preparing and reviewing closing documents
📑 Coordinating the signing of all paperwork
🏦 Communicating with the lender about your loan
💰 Handling your funds and paying off existing mortgages
📘 Issuing the title insurance policy
📂 Recording the deed and mortgage with the county

All of these pieces work together to:
✨ Protect your ownership rights
✨ Make sure everyone gets paid correctly
✨ Ensure the property legally transfers to YOU

Thinking about buying or selling and have questions about closing or settlement services? Drop them in the comments or send us a DM! 💬🔑

Looking for a quick guide on working with sellers using the best app for real estate, Capital Title's PalmAgent app? Check this out!

How does wire fraud happen? 🚨

Wire fraud is targeting Michigan home buyers. Criminals monitor transaction emails, then send fraudulent wiring instructions timed to arrive just before closing. Funds are often gone within hours and rarely recovered.
Here's how it typically unfolds:

- A fraudster gains access to your transaction email thread, often through phishing.
- When closing is imminent, they send instructions appearing to come from the title company or agent with updated wiring details.
- The buyer wires funds. The money is gone. 💸

With AI, it's even more which is why our team is always ensuring safety as our top priority. Capital Title will never send updated wiring instructions by email. Always call us before any wire transfer using a number from capitaltitle.net — not from an email. If anything feels off, stop and call us first. 🔒📞