1. Order opened
We open your file the moment the contract lands and confirm the details with all parties.
FAQ
Frequently asked questions
How title & escrow works, and answers to the questions we hear most — everything you need to know about working with OnRecord.
The process
How title & escrow works
Title and escrow protect the two things that matter most in a closing: clear ownership and the money that changes hands. Here's how the process unfolds.
2. Search & examination
We search the public record for ownership, liens, and encumbrances, then examine what we find.
3. Title commitment
We issue the commitment — what will be insured, and any requirements to clear before closing.
4. Escrow & signing
Funds and documents are held in escrow. Your buyer or seller signs — in office or remotely.
5. Record & insure
Documents record, funds disburse, and the title policy issues — the deal is on the record.
Good to know
Common questions
What does a title company do?
A title company researches the history of a property to confirm legal ownership, identifies any liens or claims against it, issues title insurance to protect buyers and lenders from future disputes, and manages the escrow process — holding funds and documents until all closing conditions are met.
What is title insurance and do I need it?
Title insurance protects you from financial loss due to defects in the title that weren't discovered during the title search — things like undisclosed liens, forgery, errors in public records, or unknown heirs.
How fast can you deliver a title commitment?
We typically deliver title commitments within 2 business days. The industry average is 5–7 days. For rush situations, call us directly at 385-464-2060.
What is escrow?
Escrow is a neutral third-party arrangement where funds, documents, and instructions are held until all conditions of a real estate transaction are met. As your escrow company, we ensure that money changes hands only when everything is in order.
What areas do you serve?
We serve the entire state of Utah with primary focus on the Wasatch Front — Salt Lake City, Provo, Ogden, Park City, and surrounding communities. Mobile closings are available statewide.
What is a mobile closing?
A mobile closing means we send a licensed escrow officer to the location of your choice — a real estate office, the buyer's home, a hospital, or anywhere convenient. Same professional service, flexible location.
Do you handle commercial transactions?
Yes. We handle commercial title and escrow including multi-parcel deals, 1031 exchanges, construction escrow, and entity closings. Our team has extensive experience with complex commercial files.
How do I send you a new order?
Email us at info@onrecordtitle.com, call 385-464-2060, or use our contact form. Send the purchase contract and we'll take it from there. We confirm receipt usually within one business hour.
What do I need to bring to closing?
Bring a valid government-issued photo ID (driver's license or passport). Your lender may require a second form of ID. If funds are required, we'll provide wiring instructions in advance — we do not accept personal checks at all and we cannot accept cashier's checks for closing funds over $10,000.