Can I bring a personal check to closing for my cash to close?

Unfortunately, no. Your final cash to close needs to be certified funds from your bank made out to Vinopal Title. If you are unable to get a check from your bank, you may choose to wire your funds, for a monetized fee to Vinopal.

What does my owner’s policy cover?

An owner’s policy protects the homeowner and their heirs against covered title defects. A previous owner’s debt, liens, and other claims of ownership that may have been instituted prior to purchasing the property, are all covered.

Why do I need title insurance?

Real estate is the nation’s largest market, making purchase and sale of real property essential to the health of the U.S. economy. However, these transactions are never without risk. That’s why title insurance has been protecting homeowners for more than 150 years. Title insurance protects against past problems, whereas other insurances like property and casualty, deal with future risk.

What is the difference between title and loan charges?

Title fees and/or charges refer to expenses related to the title company, including recording documents, closing the transaction , courier fees, and more. Loan charges are fees tied to your loan. Together, these fees will determine your final cash to close.

What do I need to bring to closing?

Sellers:

• Photo ID

• Deposit slip or voided check for proceeds(local banks only)

• Key(s), garage door remote(s), code, etc

Buyers:

• Photo ID

• Certified funds made out to Vinopal Title

How do I send earnest money and who do I make it out to?

All earnest money checks (personal or certified) can be made out to Vinopal Title and dropped off at our Eau Claire office. If you are mailing your check please mail them to:

Vinopal Title

1030 Regis Court, Eau Claire WI 54701

You may also send your earnest money via ACH using the button in the header above labeled “Send Earnest Money”.

Will you send me a copy of deed after closing?

Unlike a car title, you do not need a physical copy of your deed in your possession. As part of your title fees, there is an e-recording fee included. Following the closing, we will send a copy of your recorded deed to your email address.