Services
Closings & Escrow
Services.
From the initial title search to the final recording of your deed, Citizens Title manages every detail with the precision and care your investment deserves.
What We Do
Four services, one standard
Every file we open draws on the same historical record and the same team.
Title Insurance
Comprehensive protection against hidden liens, claims, or errors in public records that could threaten your ownership.
Closings
Efficient, professional closing services tailored to buyers, sellers, and lenders in the White County area.
Escrow
Neutral third-party handling of funds and documents to ensure all conditions of the sale are met securely.
Title Search & Exams
Thorough examination of public records to verify clear property ownership and uncover any potential title defects.
Why Citizens
How we work
Three principles that shape every closing we handle.
Uncompromising Security
Every transaction is protected by rigorous verification protocols and secure document handling, ensuring your assets are safeguarded at every stage.
Absolute Transparency
We believe in clear communication. You will understand every document, fee, and step in the process before you sign.
Local Authority
Founded in 1963, our dedicated team of abstractors and closing agents brings years of local experience. From researching mineral rights to preparing closing documents, we work with precision and care.
Our Process
The Path to Ownership
Four stages, each with a clear owner and a clear deliverable.
Initial Engagement
Submit your order and our team begins coordinating with all parties—buyers, sellers, lenders, and agents—to establish the transaction framework.
Title Clearance
Our examiners conduct a thorough search of historical records, identifying and resolving any liens, encumbrances, or defects in the chain of title.
The Closing Table
All parties convene to execute final documents, transfer funds through our secure escrow, and officially complete the property transaction.
Final Recording
We file all executed documents with the county recorder and distribute final title policies, ensuring your ownership is legally established.
Costs & Fees
Understanding your closing costs.
When buying or selling property, there are several costs to plan for. Understanding these expenses up front helps you avoid surprises at the closing table.
Title Insurance
Covers settlement services, title examination, and the insurance premium. Premiums are based on the loan amount or purchase price.
Documentary Stamps
In Arkansas, documentary stamps are $3.30 per $1,000 of the purchase price.
Recording Fees
Required for deeds, mortgages, releases, and other title documents. Typically $15 for the first page, $5 for each additional page.
Loan Costs
May include origination fees, discount points, document prep, tax service, or other lender-required items.
Figures shown are general guidance and are subject to change. Contact our office for a quote specific to your transaction.
Tips & Resources
Helpful advice for buyers & sellers.
House Hunter Score Card
Choosing a home can feel overwhelming. A House Hunter Score Card helps you keep track of properties you visit by recording features, community factors, and your impressions.
- Compare homes side by side.
- Prioritize the features that matter most to you.
- Share your list with your Realtor for better matches.
Buying a home is a big decision — this simple tool helps you stay organized and confident along the way.
Home Sales Tips
First impressions matter — buyers often know within minutes whether they like a home. A well-presented property sells faster and often for a better price.
Quick tips to boost curb appeal & value:
- Keep the lawn trimmed and landscaping neat.
- Freshen up exterior paint, doors, and shutters.
- Repair the roof, gutters, or steps if needed.
- Brighten up the kitchen with clean counters and light finishes.
- Make bathrooms sparkle with fresh towels and stain-free fixtures.
Small, cost-effective improvements can make your home stand out and attract serious buyers.
Protection
How title insurance protects you.
Your deed alone doesn't guarantee a clear title
Hidden issues such as unpaid liens, recording errors, or even fraudulent documents can put your property at risk. That's why title insurance is essential:
- It provides legal protection if a claim arises against your property.
- It covers risks that may not be revealed in public records.
- It ensures your ownership rights are defended and your investment is secure.
Real estate is one of your most valuable assets. Title insurance gives you peace of mind that your property truly belongs to you.
Read the full FAQReady to start your Searcy closing?
Our experienced team is standing by to guide you through every step of the closing process.