BUYERS & SELLERS
Your Homeownership Journey, Simplified
Buying or selling a home is a big move, and the closing process does not have to be the confusing part. This is your plain-English guide to what actually happens from offer to keys, written by the people who handle the closing table every day across Arkansas and Tennessee. Start with the buyer’s guide or the seller’s guide below, and reach out to your local office whenever you want a real person to walk you through it.
The Home Buyer’s Guide
Here is how a typical home purchase moves from offer to keys. Every deal has its quirks, but the path is the same, and knowing the steps ahead of time keeps closing day calm.
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1
Get Pre-Approved
Talk to a lender and get pre-approved so you know your budget and sellers know you are serious. Cash buyers can skip this step.
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2
Make an Offer
Your agent submits an offer. Once the seller accepts and both sides sign, you are under contract and the clock starts.
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3
Put Down Earnest Money
You make a good-faith deposit. It is held in escrow and later credited toward what you owe at closing, so it is not an extra cost.
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4
Inspection & Appraisal
The home is inspected for condition and your lender appraises its value. Anything found here is often negotiated with the seller.
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5
Title Search & Clear to Close
We research the property’s history, resolve any issues, and coordinate with your lender so you reach clear to close.
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6
Closing Day
You sign, your funds are delivered, and we record the deed with the county. Bring your ID and funds and the day goes quickly.
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7
Recording & Keys
Once the deed is recorded and funds are disbursed, the home is yours. You get the keys and your title policy follows.
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Have Questions?
Contact UsOur local team is ready to walk you through any step of the way.
The Home Seller’s Guide
Selling is mostly preparation and paperwork, and a clean title makes the whole thing smoother. Here is how it goes from listing to proceeds.
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1
Prepare & Price
Work with your agent to price the home and get it ready to list. Focus on what affects safety, function, and first impressions, and skip the cosmetic fixes a buyer would likely redo.
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2
Accept an Offer
When an offer comes in, you negotiate price and terms and sign the contract. The buyer puts down earnest money, which is held in escrow.
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3
Inspection & Appraisal
The buyer inspects the home and their lender appraises it. You may negotiate repairs or credits based on what they find.
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4
Clear Payoff & Liens
We order your mortgage payoff and check the record for anything that has to clear before you pass clean title, like a second loan or a tax lien, and we sort it out so it comes off the top at closing.
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5
Title Work & Closing Prep
We run the title search, prepare the closing figures, and coordinate the signing with both sides so the day itself is simple.
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6
Closing & Proceeds
You sign, the deed transfers to the buyer, and your loan is paid off from the sale. Whatever is left is your net proceeds, delivered by wire or check.
Buying or selling a home can be complex
Navigating legal documents, ensuring clear title and coordinating multiple parties can feel overwhelming.
We're here to simplify the process
Our experienced professionals are here to take care of your title and closing needs, making your journey as smooth and stress-free as possible. Let us handle all the intricate details so you can focus on the excitement of your new chapter. Here’s how we help:
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Expert Guidance
We provide clear and concise information throughout the entire closing process.
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Peace of Mind
We prioritize security and accuracy to protect your property rights.
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Personalized Service
We work closely with you and your real estate agent to ensure a seamless experience.
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Local Expertise
Our teams are deeply rooted in the communities they serve, offering in-depth knowledge and personalized service.
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Industry Leadership
Backed by the resources and innovations of a multi-state leader, we deliver exceptional service and support.
Choose Lenders Title Company and experience the difference
We understand that your real estate transaction is more than just a contract; it’s a significant milestone. We’re honored to be a part of your journey and will work tirelessly to ensure a successful and celebratory closing.
