Residential buyers • Virginia & West Virginia
Offer accepted. Now let's get you to closing day.
You found the home. We make the closing the easy part. Prime Title & Escrow searches the title, protects your down payment, and walks you from contract to keys in plain language, with a real estate attorney on your file. Serving families across Virginia and West Virginia.
Ready to start?
Have these handy
- A government-issued ID
- Your lender's contact information
- A copy of your signed contract
Send these over and we will open your file and get to work.
First home or fifth
Buying should feel exciting, not overwhelming.
Between the contract, the lender, the inspections, and the paperwork, buying a home can feel like a lot to hold at once, especially the first time. Our job is to carry the title and escrow side so you do not have to.
We do the careful work behind the scenes, send you what we find, explain what matters in plain language, and protect your money and your ownership the whole way to closing.
What we handle for you as a buyer
- Searching the title and ownership history
- Clearing liens and ownership issues
- Holding your funds safely in escrow
- Protecting your down payment from wire fraud
- Owner's title insurance for your protection
- Survey and inspection coordination
- Preparing documents and recording your deed
Your path to the keys
Here is exactly what happens next.
1
Contract and open file
Send us your signed contract, your lender's contact information, and a government-issued ID. We open your file and get started.
2
Title search and commitment
We search the property's title and ownership history, then send you and your agent the title commitment so you can see exactly what we found.
3
Clear the title
If a lien, judgment, or ownership issue appears, we resolve it before closing. If anything could affect your timeline, you hear it from us early.
4
Survey and inspections
Closer to closing, we order your survey and any termite inspection and forward copies to you, your agent, and your lender, flagging anything that needs attention.
5
Review your numbers
Your lender issues the Closing Disclosure, and we send you a copy of the figures so you know exactly what to bring and what to expect.
6
Closing day and keys
You sign, we protect and disburse the funds, record your deed, and the home is officially yours.
Title insurance, explained
Two policies, and why one of them is for you.
Lender's policy
Your lender will require this. It protects the lender's interest in the property up to the loan amount. It does not protect your equity or your ownership, only the lender's.
Owner's policy For you
This one protects you. If an old claim, lien, forgery, or recording error surfaces after you buy, your owner's policy defends your ownership and your equity. It is a one time cost that lasts for as long as you own the home.
Standard or enhanced?
An owner's policy comes in a standard and an enhanced version. The enhanced policy covers more situations, including certain issues that can arise after closing. Prime offers both, and we will walk you through the difference in plain language so you can choose the coverage that fits your home and your budget.
Understanding your financing
Know your loan options before you choose.
Home loans are usually grouped three ways: by the agency that backs them, by how the interest rate is set, and by the length of the term. Each path carries its own down payment, credit, and repayment trade-offs. Prime is a title and escrow company, not a lender, so we do not originate loans. We handle the title and escrow for every one of these, and knowing the basics helps you talk to your lender with confidence.
By who backs the loan
Conventional (conforming)
As low as 3% down
620+ credit
The most common loan, not backed by the government. Conforming loans stay within the size and financial limits set each year by the FHFA and follow Fannie Mae and Freddie Mac guidelines. With 20% down you can usually avoid private mortgage insurance.
Jumbo
Above FHFA limits
Stricter terms
A conventional loan that exceeds the conforming limit, used for higher-priced homes. Because the loan is larger, lenders ask for stronger credit, more cash reserves, and usually a larger down payment.
FHA
3.5% down
Credit from 580
Insured by the Federal Housing Administration and popular with first-time buyers. Lower credit and down payment requirements make it easier to qualify, with mortgage insurance required as part of the loan.
VA
Often 0% down
No PMI
Guaranteed by the Department of Veterans Affairs for qualifying servicemembers, veterans, and surviving spouses. These loans often require no down payment and no private mortgage insurance.
USDA
0% down
Rural & suburban
Backed by the U.S. Department of Agriculture for low- to moderate-income buyers in designated rural and suburban areas. Offers zero-down financing for eligible homes, incomes, and locations.
By interest rate
Fixed-rate
Predictable payments
Your interest rate stays the same for the life of the loan, so your principal and interest payment never changes. A strong fit if you plan to stay in the home long term and want certainty.
Adjustable-rate (ARM)
Lower starting rate
Starts with a fixed rate for an initial period, often 5, 7, or 10 years, then adjusts periodically with the market. It usually begins lower than a fixed rate but can rise over time.
By loan term
15-year term
Less interest overall
Higher monthly payments, but usually a lower interest rate. You build equity much faster and save a substantial amount on interest over the life of the loan.
30-year term
Lower monthly payment
The most popular term. Lower, more manageable monthly payments, though you pay more in total interest over time because the balance is spread across more years.
Specialized options
Bridge loan
Short-term financing that helps you buy your next home before your current one sells, then is repaid once that sale closes.
Construction loan
Short-term financing to build a custom home or fund major renovations, which typically converts to a standard mortgage once the work is finished.
HELOC & home equity loan
Second mortgages that let you borrow against the equity you have already built. A HELOC works like a line of credit; a home equity loan is paid out as a lump sum.
Whichever loan you choose, we handle the rest
Your lender helps you choose and qualify for the financing that fits your budget and goals. From there, Prime takes over the title search, escrow, and closing, the same careful way regardless of your loan type. If you are weighing options, your loan officer can walk you through which programs you qualify for and what each one costs.
Sources: U.S. Consumer Financial Protection Bureau, Understand the different kinds of loans available, and Freddie Mac, Understanding common types of mortgage loans. Loan limits are set each year by the Federal Housing Finance Agency. Program terms vary by lender and by your situation.
Why the title work matters
The quiet work that protects your purchase.
$600B+
in risk the title industry clears for buyers and lenders each year
ALTA, 2026
Nearly 60%
of transactions need three to five title issues resolved before closing
ALTA, 2026
1 in 3
real estate deals face an attempted wire fraud
ALTA survey
$150K–$200K
average loss per real estate wire fraud, often a buyer's down payment
ALTA / Stewart
We do this work so your closing day is the easy part.
Why buyers choose Prime
A closing you understand, start to finish.
Attorney-led
Your file is overseen by real estate attorneys, so if a title problem appears, you have legal judgment on it, not a script.
Clear at every step
We send you the title commitment and the closing figures, explain them plainly, and answer quickly, so you are never guessing.
Your money protected
Secure escrow and verified wire instructions guard your down payment, and owner's title insurance protects your ownership for years to come.
Buyer questions
What first-time and repeat buyers ask.
What is the difference between owner's and lender's title insurance?
Your lender's policy protects the lender's interest up to the loan amount. An owner's policy protects you, your ownership and your equity, if a past claim or defect surfaces after you buy. Most buyers want both, and the owner's policy is the one that protects you.
Which type of mortgage is right for me?
That depends on your credit, your down payment, how long you plan to stay, and whether you qualify for a government-backed program like FHA, VA, or USDA. Your lender or loan officer is the right person to match you to a loan. Once you have one, we handle the title and escrow for any loan type.
Do I really need owner's title insurance?
It is optional, but it is strongly recommended. It is a one time cost that protects your ownership for as long as you own the home against issues like old liens, forgeries, undisclosed heirs, and recording errors. We will explain exactly what it covers before you decide.
What is escrow, and is my money safe?
Escrow is a secure, separate account that holds the transaction funds until every condition for closing is met. We protect those funds with verified instructions and careful handling so they reach the right place at the right time.
What is earnest money, and where does it go?
Earnest money is the deposit you put down to show you are serious about the purchase. It is held safely and then applied toward your costs at closing. We will tell you exactly how and when it is handled in your transaction.
How do you protect my down payment from wire fraud?
We use secure escrow and verified wire instructions and confirm details by phone. Before you send any funds, call our office and confirm the instructions with a person you have spoken with. We will never send new wire details by email out of the blue.
What do I need to bring to closing?
A government-issued ID, the funds your Closing Disclosure calls for, sent by verified wire or as your transaction requires, and anything specific we have flagged for you ahead of time. We will give you a clear list before the day.
Under contract, or about to be?
Send us your details and we will open your file, search the title, and guide you all the way to keys, with clarity, protection, and care.
(703) 552-4155
118 Edwards Ferry Rd NE, Unit 210, Leesburg, VA 20176