Who orders it
Typically the buyer's attorney or lender, after the sales contract is signed. On refinances, the lender orders directly. Rally Point can be engaged by any party.
Home / Title Services
Title ServicesFull-service title, escrow,
and settlement.
Residential or commercial, purchase or refinance. Every closing gets the same calm, organized handling. Licensed across New Jersey, New York, Pennsylvania, and Florida.
What we do
Nine service lines. One team that owns your file.
Residential Real Estate
We protect your home purchase from hidden ownership issues, so you can close with confidence and peace of mind.
Learn moreProperty Transfers
Buying, selling, or gifting property? We confirm the title is clean and handle the transfer correctly, start to finish.
Learn moreTitle Examination
We dig into public records to make sure no one else has a claim to your property before you buy it.
Learn moreCommercial Real Estate
From due diligence to closing, we protect your business investment with thorough title review and clear guidance.
Learn morePurchase
Buying a home or a commercial property? We handle the title work, escrow, and settlement from contract through recording.
Learn moreRefinance
Refinancing your mortgage? We make sure your title is clear so your new loan closes smoothly and on time.
Learn moreOwner & Lender Title Insurance
One-time coverage that protects you — and your lender — from surprise title problems for as long as you own the home.
Learn moreProperty Lien Searches
We check for unpaid debts tied to the property, so you're never blindsided by someone else's bills.
Learn moreEscrow & Settlement
We manage the paperwork, funds, and final details of your closing, so nothing falls through the cracks.
Learn more
Buyers & sellers
Residential Real Estate.
Single-family homes, condos, townhouses, and multi-unit residential properties. Whether you're buying your first home or your fifth, one team owns your file from order to recorded deed.
The residential closing timeline
- Order acknowledgementwithin 24 hours
- Title search & examination7–14 days
- Clear-to-close after lender approval & exceptions cleared
- Closing scheduled, documents signed, funds disbursed
- Deed recorded & final policy issuedwithin 30 days
Buyer brings to closing
- Government-issued photo ID (unexpired)
- Cashier's check or wired funds for closing costs
- Proof of homeowners insurance (paid receipt)
- Any documents your lender requests
Seller brings to closing
- Government-issued photo ID (unexpired)
- All keys, garage remotes, and access codes
- Wiring instructions for net proceeds
- Payoff statements (if not already collected)
Developers & investors
Commercial Real Estate.
Preliminary title reports, complex multi-parcel transactions, and closings coordinated across attorneys, lenders, and equity partners. Purpose-built for developers and investors.
Who we serve
- Real estate developers & sponsors
- Commercial investors and syndicates
- Multi-family and mixed-use operators
- 1031 exchange investors and QI teams
Commercial capabilities
- Preliminary title commitments and reports
- Multi-parcel and multi-jurisdiction transactions
- Complex entity ownership structures
- Assignments, ground leases, and easements
- Coordinated closings with escrow & construction lenders
- Endorsements: ALTA, extended coverage, zoning, comprehensive
Contract to keys
Purchase Closings.
Residential or commercial, a purchase is the transaction with the most moving parts and the most people waiting on it. We run the title search, clear what it turns up, hold the funds in escrow, and settle the file so the keys change hands on the day everyone planned for.
Buyers get an owner's policy that protects their equity against ownership issues that surface after closing. Lenders get the policy their loan requires. Agents and attorneys get a team that returns calls.
What we handle
- Title search, examination, and commitment
- Clearing liens, judgments, and open permits
- Escrow of deposits and closing funds
- Payoff coordination with existing lienholders
- Settlement statement preparation and review
- Recording the deed and mortgage after closing
Who we work with
- First-time and repeat home buyers
- Commercial and investment purchasers
- Real estate agents and attorneys
- Lenders and mortgage brokers
Lender-direct workflow
Refinance Services.
We work directly with your lender from open to close. A Lender's Title Policy protects the new mortgage's interest. We handle the rest so the borrower's day-of experience is calm and clear.
Within 24 hrs
Order acknowledgement
File received, your team assigned, initial requirements sent to the lender.
5–7 days
Title commitment
Full search, examination, judgment/lien results delivered with all exceptions listed.
24–48 hrs
Clear-to-close & scheduling
After lender approval, we coordinate signing and confirm wire logistics with all parties.
Before you close
Property Lien Searches.
A property lien is a legal claim against real estate for an unpaid debt. Undiscovered liens can delay closings, block a clean transfer of title, or become the buyer's problem after they own the property. A thorough lien search catches issues while there's still time to fix them.
What a lien search catches
- Outstanding property taxes and municipal liens
- Utility balances (water, sewer, electric)
- Court judgments against past or current owners
- Contractor mechanic's liens
- Open building permits and code violations
- HOA and condo association assessments
Why it matters
Liens generally follow the property, not the previous owner. Catching them before closing gives everyone leverage to resolve. After closing, the buyer inherits the problem.
Chain of title & marketability
Title Examination.
The title exam is the analytical work that confirms a title is marketable. That ownership is clear, transferable, and free of encumbrances that could impair value.
What it reveals
Chain of ownership, existing mortgages and liens, easements, restrictions, judgments, tax status, and any exception that must be cleared before title can transfer marketable.
How long it takes
Standard residential exams: 7–14 business days. Commercial and multi-parcel files may take longer depending on the complexity of the chain.
Ownership, made official
Property Transfers.
Whenever property changes hands — through a sale, a family gift, or a transfer into a trust — the paperwork has to be exact, or ownership can get murky fast. We make sure the title is clear and the transfer is handled correctly from the very first step to the final signature.
What this covers
- Verifying the seller has full legal right to transfer the property
- Preparing and recording the deed correctly with the county
- Confirming there are no competing claims to ownership
- Handling transfers between family members, trusts, or entities
Coverage that lasts as long as you own it
Owner & Lender Title Insurance.
Most people don't think about title problems until one shows up — an old lien, a forged signature decades ago, an heir no one knew about. A title insurance policy, paid once at closing, stands between you and those surprises for as long as you own your home.
What this covers
- Owner's policy: protects your equity if a past ownership issue surfaces later
- Lender's policy: satisfies your mortgage company's requirement to protect their investment
- Defense against claims, liens, or errors from before you owned the property
- No annual premiums — it's a one-time cost at closing
Why it matters
Title problems can appear years after closing. A one-time premium at settlement buys permanent protection — and satisfies your lender's requirement in the same policy.
Every detail, handled
Escrow & Settlement.
Closing day involves more moving pieces than most buyers realize — funds arriving from multiple sources, documents needing signatures in the right order, payoffs and fees all landing at the right place at the right time. We coordinate all of it behind the scenes so you can focus on getting the keys.
What this covers
- Holding and disbursing funds securely between all parties
- Coordinating with lenders, agents, and attorneys to keep closing on schedule
- Preparing and reviewing final closing documents
- Making sure every fee, payoff, and document is accounted for before you sign
Every dollar we escrow
Wire Fraud Protection.
Real estate wire fraud is the fastest-growing category of transaction crime. Rally Point's protocols protect every dollar that moves through our escrow. Voice-verified wiring instructions, sender authentication, and multi-step approval on every disbursement.
One standard. Four states.
Multi-State Closings — NJ · NY · PA · FL.
Every closing gets a dedicated team managing your file from open to close, no matter which state you're in. In-person mobile notary available everywhere we cover, plus Remote Online Notarization (RON) where permitted, so a seller in Florida and a buyer in New Jersey can close the same day.
How a typical closing flows
From order to recorded deed.
1
Order Opened
You send the contract. We acknowledge same-day and assign your team.
2
Search & Exam
Full chain-of-title search, judgment search, and lien check completed.
3
Clear to Close
Exceptions cleared, payoffs ordered, lender package balanced and approved.
4
Closing Day
Documents signed, funds disbursed, every wire verified before it goes out.
5
Post-Closing
Deed recorded, final policy issued, file delivered to your records.
Contact our title desk
Ready to open a file?
Send us the contract or ask a question a team member responds within one business day.
- Same-day file acknowledgment
- One team to own your file
- Licensed across NJ, NY, PA & FL