Residential Closings · Philadelphia, PA
Residential closings in Philadelphia, handled end to end
Most settlements fall apart over things nobody checked in week one: an unpaid water balance, a missing mortgage satisfaction, a transfer tax nobody budgeted. We run the search early, tell you what the file needs, and hold a settlement date you can plan a moving truck around. Sign at 1235 Point Breeze Avenue and walk out with keys.
45-60 min
Typical time at the settlement table
30-45 days
Agreement of sale to settlement, typical purchase
Mon-Fri 9-5
Settlement appointments in Point Breeze
Why Philadelphia buyers, sellers and lenders choose us
Early problem flagging
Water, sewer, L&I and tax issues surface in week one, not the day before settlement when nobody can fix them.
Transfer tax done right
Philadelphia city plus Pennsylvania state transfer tax calculated and itemized so the cash-to-close number holds.
Lender coordination
We work directly with your loan officer on the closing disclosure so figures match before you arrive.
First-time buyer walkthrough
We explain each document as you sign it. Ask anything - the table is not a place to feel rushed.
Prompt recording
Deed and mortgage go to the Philadelphia Department of Records without delay, and you receive recorded copies.
How the process works
- Step 1
Reserve the date
Call with your agreement of sale. We open the file, order the title search, and lock your settlement slot.
- Step 2
Clear and prepare
We resolve liens, order payoffs and municipal balances, and circulate the settlement statement in advance.
- Step 3
Sign, fund, record
You sign at our Point Breeze Avenue office, funds disburse, and we record the deed and issue your policy.
Frequently asked questions
- How long does a Philadelphia home closing take?
- The signing itself runs about 45 to 60 minutes. From executed agreement to settlement, most Philadelphia purchases close in 30 to 45 days, driven mostly by the lender's timeline.
- What do I bring to settlement?
- Government-issued photo ID, a certified check or confirmed wire for your cash to close, and proof of homeowner's insurance for the first year. Married buyers should both attend or sign a power of attorney in advance.
- Who pays the transfer tax in Philadelphia?
- Philadelphia charges a city transfer tax plus the Pennsylvania state transfer tax on the sale price. By custom it is split between buyer and seller, but the agreement of sale controls, and we itemize it on your settlement statement.
- Can I close remotely or after hours?
- We handle mail-away and power-of-attorney closings regularly. Our office hours are Monday to Friday 9am to 5pm; call ahead and we will work out the logistics for out-of-state parties.
- Do I need an attorney to buy a house in Philadelphia?
- Pennsylvania does not require one. Many buyers use a title agency alone; if your deal involves an estate, a partition, or unusual terms, bring an attorney and we will coordinate with them.
- What is the certificate of occupancy issue I keep hearing about?
- Philadelphia requires certain use and occupancy documentation for transfers of some properties. We flag it early in the file so it is resolved before your settlement date rather than the morning of.
Have a settlement date to hit in Philadelphia? Call us and we will tell you today whether the file can make it.
1235 Point Breeze Avenue, Philadelphia, PA · Monday to Friday, 9:00am - 5:00pm