FAQ

Your attorney reviews the contract, negotiates inspection issues, examines title documents, coordinates with the lender and title company, prepares closing paperwork, and ensures your legal rights are protected throughout the transaction.

Title insurance protects you from unexpected issues such as unpaid liens, recording errors, boundary disputes, or claims from prior owners. It provides long‑term financial protection and is required by most lenders.

A lender’s policy protects the mortgage company’s interest in the property. An owner’s policy protects you, the homeowner, from title defects that may arise after closing. Only the owner’s policy covers your equity.

Most closings take 45–60 minutes. Cash transactions are often quicker, while financed purchases may take slightly longer due to lender documentation.

Bring a valid photo ID, any required certified funds, and documents your lender or attorney has requested. We’ll confirm everything you need before your appointment.

For financed purchases, lenders must provide the Closing Disclosure at least three business days before closing. Your attorney will review it with you to ensure accuracy.

Most title issues—such as old mortgages, judgment liens, or clerical errors—can be resolved before closing. Your attorney and the title company work together to clear the title so you can take ownership without risk.

Yes. Illinois is an attorney‑review state, and sellers benefit from legal guidance on contract terms, inspection negotiations, title requirements, and closing documents. Your attorney also coordinates payoff statements and ensures a smooth transfer of ownership.

Because Illinois taxes are paid in arrears, sellers typically provide a tax credit to buyers at closing. The exact amount depends on county rates and prorations negotiated in the contract.

Absolutely. We regularly assist clients who cannot attend in person. We coordinate secure document signing and ensure all requirements are met for a valid closing.