F.A.Q.

We have several different ways for buyers to deposit their earnest money!

• Drop off at any of our 6 locations. Click HERE to see your nearest Rainier Title office!
• Send a Wire Transfer from your bank to ours! Always verify Rainier Title’s bank information by phone using a trusted source
• The ZOCCAM app is a secure mobile platform for sending earnest money deposits remotely.
  • Zoccam in the App Store
  • Zoccam in Google Play

Neither of these options work for you? No problem! Just reach out to your escrow team, and we’ll be happy to accommodate.

IMPORTANT WIRE FRAUD NOTICE:

Wire Fraud continues to remain one of the most organized cybercrimes involving real estate Scammers often hack emails and mimic company information to steal funds. If wiring money to close, always verify Rainier Title’s bank information by phone using a trusted source—our website, settlement statement, or previously verified number. Wire instructions never change; any revisions are likely fraud. Always contact your closing team immediately if you receive suspicious instructions.

Title Insurance

Title refers to the legal ownership of a property, including its history of previous owners, uses, and transfers. To ensure a property can be legally transferred, a title search is performed. Title insurance protects against potential future loss if your legal rights to the property are challenged. There are two types: a lender’s policy, which protects the lender’s interest for the mortgage amount and is usually required, and an owner’s policy, which protects the buyer for the purchase price and is typically optional.
For rates, please click HERE.

Owners Policy
An owner’s policy protects your interest in the property against such hidden hazards as:

• Mistakes in recording of legal documents
• Forged deeds, releases or wills
• Undisclosed or missing heirs, including spouses
• Deeds by persons of unsound mind
• Deeds by minors
• Deeds executed under an invalid or expired power of attorney
• Liens for unpaid taxes
• Fraud

For a one-time premium you pay during the closing process, your title insurer assumes responsibility for all legal expenses to defend the title to your property if it’s ever challenged. If the defense is unsuccessful, you are reimbursed for any reduction in the value of the land. For you, it’s a win-win proposition.

Lender’s Policy

A title insurance policy insuring a mortgagee, or beneficiary under a deed of trust, against loss or damage caused by the invalid title in the borrower, or loss of priority of the mortgage or deed of trust.

A lender’s policy lasts until the mortgage is paid in full. An owner’s policy remains in force forever, which means the title insurance company would defend the title for you or your heirs even after you no longer own the property

What is Escrow?

Escrow is a system of document transfers in which a deed, bond or funds are delivered to a third person (Escrow) to hold until all conditions in the contract are fulfilled. In other words, Escrow provides one central place where all funds & documents may be deposited.
For rates, please click HERE.

Buyer & Seller Resources

Buying a home? Make sure the seller is the true owner and that no issues with the title could affect your property. Rainier Title & Escrow conducts a thorough title search and provides a title insurance policy to protect your investment. The policy is a one-time cost, with no renewals or expiration, and coverage lasts as long as you or your heirs maintain an interest in the property—giving you lasting peace of mind.

Selling your house? Rainier Title & Escrow guides you through escrow, handling liens and preparing all closing documents for a smooth transaction. With competitive rates, clear communication, and professional service, our licensed LPO closers ensure accurate documentation and a seamless signing experience.

Our Resource Guide helps explain what can be expected throughout the transaction process and provides helpful tips, transaction notes and checklists.

Click HERE For a Digital Copy

*Please note when printing, pages may not print to scale. To order physical copies, please contact your Business Development Executive

We value a customized approach for our investor and commercial transactions. Please call (888) 929-1999 for rates and requests.

Rule 1: Always question emails that contain wiring instructions.
Hackers have learned to exploit the real estate closing process to steal millions of dollars from people buying or selling a home.

Rule 2: Always call before sending any money.
When you do receive instructions on where to send money prior to closing, always call your contact person at the title company to verify. Then call your bank to verify as well.

Rule 3: Always call after sending money.
It’s always a good idea to call right after money is sent. That way, you can verify that it was received by the correct recipient.

Rule 4: Act immediately if anything seems unusual.
Contact your bank, mortgage company, and title company immediately if anything is in question. If something is wrong, you may need to contact your local FBI office.