SELLER PROTECTION CENTER · OHIO · TEXAS · GEORGIA
Your Money Is Protected Before You Ever Trust Us
Every dollar moves through a state-licensed, insured escrow holder. Your deed and the buyer's money change hands simultaneously, or not at all. This page shows the entire machine so you can verify it instead of believing it.
FOLLOW THE MONEY
Where Every Dollar Sits, From Contract to Your Account
At no point does your money or your deed pass through our hands. Watch the green badges.
1. Contract Signed
Buyer earnest money wires to the title company under your file number. Call them and confirm receipt.
HELD IN ESCROW2. Title Searched
County records checked for every mortgage, lien and judgment. Each gets an exact payoff on your statement.
PUBLIC RECORDS3. Funds Cleared
The full price arrives in escrow as verified funds. Ohio's good-funds law, R.C. 1349.21, requires it before any disbursement.
VERIFIED IN ESCROW4. Simultaneous Close
Deed records, debts are paid from the price, your proceeds wire out. One coordinated disbursement.
WIRED TO YOUTHE DOCUMENT THAT PROVES IT
Every Dollar, On One Page You Sign
Before closing you receive the settlement statement: the sale price at the top, every payoff itemized below it, and the exact amount wiring to you at the bottom. Nothing is deducted that is not printed on this page, and you sign it before anything moves.
This is why "hidden fees" cannot exist in a real closing: the document structure forbids them. If a number ever looked wrong, you would decline to sign and nothing would happen. That veto is yours until the last minute.
Walk Through a Sample Statement With Us →KNOW THE DIFFERENCE IN 60 SECONDS
A Legitimate Closing vs. A Scam In Progress
- ✓A named title company or closing attorney you can call yourself
- ✓Earnest money deposited into escrow, confirmed by the escrow holder
- ✓A written offer showing the price and how it was calculated
- ✓The deed signed only at closing, exchanged simultaneously with funds
- ✓A settlement statement you sign before any money moves
- ✓Time and encouragement to have your own attorney review everything
- ✗"Sign the deed now, we'll pay you Friday" (deed theft, the classic)
- ✗Any request for money from you: processing fees, contract fees, insurance fees
- ✗Payment offered outside escrow: apps, personal checks, parking-lot cash
- ✗Wire instructions arriving by email with "urgent account update"
- ✗"No need for a title company, it just adds cost"
- ✗Pressure to sign tonight, and discouragement from calling an attorney
The FBI's IC3 unit logs hundreds of millions of dollars in attempted real-estate wire fraud each year, nearly all through spoofed emails. One phone call to a number you found yourself defeats almost all of it.
YOUR STATE, YOUR REGULATOR
Who Watches the People Holding Your Money?
Ohio
Title agents licensed by the Ohio Department of Insurance. Good-funds statute R.C. 1349.21 requires cleared money before disbursement. Franklin, Cuyahoga and Hamilton county recorders publish every transfer.
Texas
The strictest title regime in the country: state-promulgated rates and forms under the Texas Department of Insurance, individually licensed escrow officers. Harris, Dallas and Bexar county clerks record publicly.
Georgia
Closings must run under a licensed attorney; the State Bar of Georgia enforces this as unauthorized practice of law. Your closing attorney owes professional duties on top of escrow duties.
Seller Protection Questions, Answered Directly
A state-licensed escrow holder: a title insurance company in Ohio (regulated by the Ohio Department of Insurance) or Texas (Texas Department of Insurance), or a licensed closing attorney in Georgia, where attorney-supervised closings are required by law. Never us, and never the buyer personally.
Not in a proper closing. The deed you sign is held by the escrow agent and recorded only when cleared funds are disbursed in the same session. The exchange is simultaneous by design, which is the entire point of escrow.
The title company finds every lien in the county records, lists each one on your settlement statement with its exact payoff, and pays them from the sale price at closing. You never write those checks and nothing survives to chase you afterward.
By wire from the escrow account, same day to one business day after recording, in the exact amount shown on the settlement statement you signed. Verify wire details by phone with the title company before closing day, on a number you looked up yourself.
Title insurance covers the ownership transfer against defects, forgeries and missed liens. The escrow holder additionally carries state-required licensing, bonding and errors-and-omissions coverage. The protection is structural, not promised.
Yes, and you should: ask us which title company or attorney will close, then call them yourself and confirm your file exists. We give every seller this instruction in writing, because verification is our best credential.
Verify Us Before You Trust Us
Request an offer and we name the title company in the same conversation. Call them. Confirm the file. Then decide. That order is exactly how we want it.