Title & Closing Blog

Rampart Title never changes wiring instructions by email. How to verify wire instructions and protect your closing funds in Utah, Arizona and Virginia.

The difference between standard, extended and homeowner’s owner’s policies in Utah, Arizona and Virginia, and how much more the extra coverage costs.

Utah has no transfer tax and a flat $40 recording fee. A plain-English breakdown of Utah buyer and seller closing costs and who customarily pays them.

Utah taxes a primary residence on only 55% of its market value. How the 45% residential exemption works, who qualifies and what it saves.

The Utah REPC sets dated deadlines for seller disclosures, due diligence, financing and appraisal, and settlement. What each one means for buyers.

How escrow works in Arizona: opening escrow, the title commitment, inspection period, loan approval, signing and close of escrow.

Arizona title premiums are filed by county zone: Maricopa and Pinal, Pima, Mohave, Graham and Greenlee, and all other counties. How zones change your premium.

Arizona has no transfer tax. What it costs to record a deed and deed of trust, and why every Arizona deed needs an Affidavit of Property Value.

Virginia sellers pay grantor tax and buyers pay state and local recordation tax on the deed and deed of trust. How each is calculated, with examples.

In Virginia the buyer customarily pays for owner’s title insurance and chooses the settlement agent. What the owner’s policy costs and protects.

Northern Virginia sellers pay a regional congestion relief fee of $0.10 per $100 on top of grantor tax. Where it applies and how it is calculated.