Your closing, handled with care.
Buying, selling, refinancing or transferring? ESS has guided homeowners through the settlement process since 1986 — with clear communication, dedicated support and no surprises.
Purchase & Sale
Whether you're buying your first home or your fifth, ESS coordinates title insurance, escrow and closing so you can focus on what matters — your move.
- Title search and examination
- Owner's and lender's title insurance
- Escrow and funds disbursement
- Closing document preparation
- Recording with the county
Refinance
Refinancing should be straightforward. Our team works directly with your lender to keep the process on track from application to recorded payoff.
- Title search and title update
- Lender's title insurance policy
- Coordination with your lender
- Closing at your home or our office
- Remote online notarization (where permitted)
Cash Transactions
Purchasing without financing? We still provide full title protection and closing services, ensuring the deed records free and clear.
- Owner's title insurance
- Title examination and curative
- Flexible closing options
- Deed preparation and recording
- Final title policy delivery
Estate Transfers
Transferring property after a loss or for estate planning requires careful handling. Our team brings the experience to navigate these situations with clarity and care.
- Estate deed preparation
- Probate and executor coordination
- Title examination for estate property
- Tax and lien clearance
- Recording and policy delivery
From first contact to final policy — four simple steps.
Contact us
Call, email or submit our contact form. Tell us about your transaction and we'll open a file the same business day.
We handle the details
Your dedicated ESS specialist coordinates the title search, insurance, escrow and any curative work — keeping you and your lender informed at every step.
Sign and close
We schedule your signing at a time and place that works for you — in our office, at your home, or remotely via RON where permitted by law.
Recorded and protected
We record the deed and mortgage with the county and deliver your final title policy — your permanent protection against future claims.
What homeowners ask us most.
Do I need title insurance if I'm paying cash?+
It's not required when there's no lender, but it's strongly recommended. An owner's title insurance policy protects you against defects in the title — liens, back taxes or ownership disputes — that may surface after closing. A one-time premium covers you for as long as you own the property.
What is a closing and who needs to attend?+
Closing is the final step of your real estate transaction, where ownership officially transfers. Typically the buyer, sometimes the seller, and a closing agent (from ESS) attend. Your lender may also attend or send documents in advance. ESS also offers remote online notarization (RON) options where state law allows.
How long before closing do I need to contact ESS?+
The sooner the better — we can open a file immediately. For a standard refinance, 2–3 weeks is typical. For a purchase, the timeline follows your contract contingencies. Contact us as soon as you have a signed contract or a lender commitment.
What should I bring to the closing table?+
Typically: a government-issued photo ID, a cashier's check or wire confirmation for closing funds, and any documents your lender has requested. Your ESS specialist will send you a complete checklist well in advance.
Can I choose my own title company?+
In most states, yes — the buyer has the right to select the title company. If you're refinancing, your lender may have a preferred list, but ESS is an approved provider for most major lenders and institutions.
Most files are opened the same business day.
Call us, email us, or fill out our contact form — a dedicated ESS specialist will reach out to discuss your transaction.