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Consumer Closing and Title Services, LLC
  • Full Title and Closing Services
  • Offices in Stamford and Wilton
  • Over 15 Years of Experience
  • Reasonable Fees
  • Phone: 203-348-7745
  • info2007@consumertitle.net

Frequently Asked Questions (FAQ's)

Can you give me an example of why I should choose Consumer Title and Closing Services, LLC instead of the attorney referred to me by my real estate agent?

  • Real estate agents stand to earn a large commission from your transaction; but only if the deal closes. When difficult issues arise, you need to make sure you have an advocate who can negotiate on your behalf without worrying about losing their commission. Attorneys and title companies who get referrals from real estate brokers are often faced with the difficult decision of whether to look out for the interests of the buyer or the real estate agent who regularly refers them clients. Make sure you are utilizing an attorney or title company that is looking out for you.

Can you give me an example of why I should choose Consumer Title and Closing Services, LLC instead of the title company my loan officer insists that I use?

  • As part of our services, we will review your Good Faith Estimate and prelminary Truth-in-Lending statement that you receive from your lender at the beginning of the transaction. We will advise you as to whether you are receiving a fair interest rate and whether the closing costs being charged are reasonable. If you are not receiving a good deal, we can refer you to somebody who will treat you fairly. How many title companies who get their business from lenders will tell you to switch lenders to save you money?

What other services will Consumer Title and Closing Services, LLC provide that may not be provided by the attorney or title company recommended by my real estate agent or loan officer?

  • We will review and explain all legal documents to you before you sign them. We are hired by you. We will explain the documents to you so that you understand and are comfortable with what you are signing.
  • We will also make sure that everyone in the transaction satifies their obligations. As your representative at closing, we will make sure the contract terms are adhered to by the seller, that your real estate agent performs all services expected of him or her and that your lender provides a loan consistent with the loan commitment, good faith estimate and preliminary truth-in-lending statement.

What if my lender says that I must use their attorney or affiliated title company?

  • Connecticut General Statute section 49-6d provides that no lender can require a consumer to be represented by the lender's attorney. The Connecticut state legislature believed it was important enough to enact a statute to protect consumers from lenders who tried to make consumers use the banks' preferred attorneys and title companies. Having your own title company helps ensure that the lender is treating you fairly. Moreover, our fees are usually less expensive than those of the lender's bank attorney or affiliated title company.

Where will my closing take place?

  • If you are purchasing, the closing will generally take place at the Seller's attorney's office. If you are refinancing, the closing will take place at either our Stamford or Wilton office, whichever is more convenient for you. In addition, we also have access to a conference room for closings in Trumbull and Wethersfield.