Construction closings & disbursement escrow
For builders and developers: construction and disbursement escrow, draw management, and lien-aware title work that keeps your project — and your title — clean through completion.
We coordinate construction disbursements, track draws, and stay ahead of mechanics' lien exposure so your financing and your closings stay on schedule. From a single custom build to a multi-lot development, we handle the complexity.
What a construction file includes
- Land acquisition or lot takedown closing with the owner's policy and construction lender's policy issued together.
- Disbursement escrow: draw requests, inspection sign-off, lien waivers collected from the general contractor and subs, and funds released on schedule.
- Lien monitoring through Utah's State Construction Registry so preliminary notices are known and cleared, not discovered at the final closing.
- Plat and subdivision work: recording the plat, lot splits, CC&Rs, and easements, then closing individual lots to buyers or builders.
- Buyer closings at completion with builder and subdivision rate programs applied where the file qualifies, and mobile or online signings for buyers who are relocating.
Why builders route files here
Builders lose money on delays, not on title premiums. A construction file at OnRecord gets a title commitment typically within 2 business days, a single escrow officer who owns the project from lot takedown through the last buyer closing, and disbursement handled from our office in Midvale rather than through a national processing center. When a draw is due Friday, it funds Friday.
For land you have not bought yet, start with land and lot title. For projects with multiple entities, financing layers, or a 1031 leg, see commercial title and escrow.