Buyer Resources

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 Buying a home is one of the biggest financial decisions you will ever make. At Affluent Title Partners, we protect your investment, coordinate every detail of your transaction, and guide you from contract to keys with clarity, security, and confidence. 

 Here is what you can expect as your transaction moves from contract to closing with Affluent Title Partners:

1. Offer Accepted
2. Escrow Opened
3. Title Search & Examination
4. Title Commitment Issued
5. Appraisal & Loan Processing
6. Final Title Clearance
7. Closing Disclosure Review
8. Signing Appointment
9. Funding & Recording
10. Keys Released

 A clear understanding of title and escrow helps protect your investment and ensures a smooth and secure closing. At Affluent Title Partners, our role is to research ownership, manage funds securely, and coordinate all parties through the closing process.

• We verify the legal owner of the property
• We identify and help resolve liens, judgments, and ownership issues
• We coordinate with your lender and real estate agent
• We prepare and manage your closing documents
• We protect your transaction from fraud and recording errors

 Escrow is a neutral, third-party process where funds and documents are held safely while the terms of the real estate contract are satisfied. Escrow protects both the buyer and seller by ensuring that no money or ownership transfers until all conditions are properly met.

• Safely holds your earnest money and closing funds
• Ensures contract requirements are completed before closing
• Coordinates document signing and fund disbursement
• Prevents premature transfer of ownership
• Provides a transparent, documented closing process

 Title insurance protects you and your lender against covered losses caused by defects in title that may not appear in public records. This includes unknown liens, recording errors, forgery, or mistakes in past ownership.

• Owner’s title policy protects your ownership and equity
• Lender’s title policy protects the mortgage lender
• One-time premium for long-term coverage
• Coverage lasts as long as you own the home

 Buying your first home is an exciting milestone—but it can also feel overwhelming. At Affluent Title Partners, we’re here to simplify the process, answer your questions, and guide you through every step with confidence. 

• Understanding Your Credit – Learn how your credit score affects loan approval and interest rates.
• Setting a Realistic Budget – Determine what you can comfortably afford beyond just the home price.
• Loan Types Explained – FHA, VA, conventional, and other common financing options.
• Down Payment Assistance – Programs that may help reduce upfront costs for eligible buyers.
• Inspections & Final Walkthrough – What to expect before your closing day.

 Our team walks first-time buyers through each step so you never feel unsure about what comes next. 

 Even well-prepared buyers can unintentionally delay or jeopardize their closing by making simple mistakes during the transaction. Avoid these common issues to keep your closing smooth and on schedule.

• Making large purchases or opening new credit before closing
• Changing jobs, employers, or income status during loan approval
• Missing lender, inspection, or contract deadlines
• Failing to verify wire instructions before sending funds
• Ignoring emails or document requests from your lender or title company
• Waiting until the last minute to review your Closing Disclosure
• Assuming funds can be transferred instantly without planning ahead

 Our team works proactively to help you avoid these issues and guide you safely through every step of the closing process. 

 When it comes to protecting one of your largest investments, choosing the right title company matters. Buyers trust Affluent Title Partners for our precision, security, and commitment to a seamless closing experience. 

 Every file is carefully examined to ensure clear, insurable title and protect your ownership rights. 

 We implement strict wire fraud prevention and secure document handling to safeguard your funds and personal information. 

 Our team provides proactive communication, dedicated support, and a smooth, guided experience from start to finish. 

 We bring deep knowledge of the San Antonio and Texas real estate markets, helping anticipate and resolve issues quickly. 

 From first-time buyers to experienced homeowners, our clients rely on us for confidence, clarity, and unmatched professionalism at closing. 

 Real estate wire fraud is one of the fastest growing financial crimes in the country. Criminals target buyers during the closing process by impersonating real estate professionals and sending fake wire instructions. At Affluent Title Partners, protecting your funds is one of our highest priorities. 

 Criminals may hack email accounts or impersonate your agent, lender, or title company to send fraudulent wire instructions. These messages often appear legitimate and urgent. 

• Last-minute changes to wire instructions
• Requests with urgent deadlines or pressure language
• Emails that look slightly different from normal communication
• Requests to keep wire changes “confidential”

• Secure delivery of wire instructions
• Multi-step verification procedures
• Direct communication with your lender and agent
• Strict internal security protocols

 If anything seems unusual, stop immediately and contact Affluent Title Partners using a verified phone number. Never send funds until you have confirmed instructions directly with our team. 

• Never trust wire instructions sent by email alone
• Always verify by phone using a trusted number
• Be cautious of urgent or last-minute changes
• Contact us immediately if you suspect fraud

 You will receive your final wire instructions shortly before closing, once your Closing Disclosure is approved. Always verify wire instructions by phone using a trusted number before sending any funds. 

 Typically, the buyer, the closing agent, and sometimes your real estate agent and/or lender representative attend the closing. We will confirm exactly who needs to be present in advance. 

 Keys are usually released after the transaction has fully funded and the documents have been officially recorded with the county. Your real estate agent will coordinate key delivery with you. 

 If a title issue is discovered, our team works quickly to resolve it before closing. This may include clearing liens, correcting recording errors, or addressing ownership questions. You will be kept informed every step of the way. 

 If your lender experiences delays, we coordinate with all parties to update timelines and ensure everyone stays informed. Our goal is always to minimize disruption and keep your closing moving forward. 

 Your exact amount due will be listed on your final Closing Disclosure. This document is provided in advance so you have time to review and plan your funds securely. 

Still have questions? Our team is happy to help.