Frequently Asked Questions
Title insurance protects your legal right to own your property. It covers financial loss from defects in the title — such as liens, fraud, errors in public records, or undisclosed heirs — that could threaten your ownership after closing.
Even the most thorough title search can’t always uncover every potential issue. Title insurance gives you peace of mind, knowing that if a hidden problem surfaces later, your ownership is protected, and legal defense costs are covered.
A lender’s policy protects the bank or mortgage lender’s interest in the property until the loan is paid in full.
An owner’s policy protects your financial interest for as long as you or your heirs own the property.
Payment varies by region and contract terms. In many Kansas transactions, the seller pays for the owner’s policy and the buyer pays for the lender’s policy, but it’s always negotiable.
Most residential closings take 30–45 days from contract to completion, depending on loan approval, inspections, and title search results. We keep you informed every step of the way to avoid delays.
Bring a government-issued photo ID, certified funds or wire confirmation (if required), and any final documents your lender or agent requests. Don’t worry — your Verity closer will provide a checklist before your appointment.
Yes. Verity offers remote and hybrid closings using secure digital platforms that meet Kansas state requirements. You can review and sign documents electronically from your home or office.
You’ll review and sign the final paperwork, verify your loan and title documents, and transfer funds securely. Once complete, we’ll record the deed and issue your title policy — and the property is officially yours.
We verify all wiring instructions through secure, encrypted communication and confirm changes by phone using trusted numbers. We’ll never email last-minute wire changes. When in doubt — call us before sending funds.
Yes! Buyers, sellers, and agents have the right to choose their title company. Selecting a trusted partner like Verity ensures transparent communication, local expertise, and proactive service at every stage of the transaction.
Escrow is a secure, neutral account where funds are held until all transaction conditions are met. Verity’s escrow services ensure money is handled accurately, securely, and in full compliance with all regulations.
Absolutely. Even without a lender, you should protect your ownership rights. A one-time premium covers you for as long as you own the property, guarding against future title disputes or undiscovered claims.
Your title policy is typically issued within 30 days after closing, once all documents are recorded and finalized. You’ll receive a digital copy and can request a printed version anytime.
Your Verity closer remains your point of contact after closing. Whether you need help with documents, recording information, or a copy of your title policy, our team is always here to assist.