Buying or Selling Without a Real Estate Agent?

BCA Title Services can help guide your transaction from purchase agreement to closing.

The For Sale by Owner Closing Process

A For Sale by Owner transaction allows buyers and sellers to work directly with one another—but there are still important details to address before ownership can officially change hands. Here’s what you can expect when working with BCA Title Services.

You’ve Agreed on the Sale

Here’s What Happens Next

Once the buyer and seller have agreed to the terms of the sale and signed a purchase agreement, BCA Title Services can begin the title and closing process.

Our team works with the buyer, seller and any lenders or attorneys involved to gather the necessary information, research the property’s title and coordinate the details needed for a smooth closing.

To get started, please complete the appropriate information form below.

Rate Calculator

Get an estimate of title fees for your transaction using our convenient rate calculator. Please note: closing costs are not included; please contact us for additional fees.

What to Expect

  • Submit the fully signed purchase agreement and completed buyer and seller information sheets through our secure online portal.

  • Determine who will hold the earnest money for the transaction. If BCA will be holding the funds, complete our Earnest Money Agreement and return it through our secure portal.

  • Both parties will receive a copy of the Title Insurance Commitment, which provides a preview of the title work completed on the property.

  • Your closer will contact you to complete the required identity verification process.

  • The closing date will be confirmed, and your closer will send preliminary settlement statements for review.

  • Buyers will receive secure wire instructions approximately one week before closing. Please read our Fraud Prevention information before wiring funds.

  • On closing day, bring a valid government-issued photo ID. We’ll guide you through the remaining documents and signatures.

Please note: All seller closing documents must be signed in the presence of a notary, whether they are completed by mail or in person.

Preparing for Closing

We’ll guide you through the details so you feel informed, prepared and confident as closing day approaches. Choose the buyer or seller sections below to learn what you’ll need to do, bring and expect.

For Sellers

Sellers should:

  • Provide BCA Title Services with complete contact information
  • Complete and return the requested seller information
  • Provide current mortgage or home-equity loan information
  • Sign any required payoff authorization forms
  • Share information about liens, judgments or other matters affecting the property
  • Complete any obligations included in the purchase agreement
  • Confirm how sale proceeds should be delivered
  • Confirm how closing funds should be delivered

  • A valid government-issued photo ID
  • Any documents requested by BCA Title Services or your lender
  • Bank info for wire transfer of proceeds (if applicable)
  • Cell phone for ID verification (when applicable)

  • Buyer signs and funds the transaction.
  • You receive copies of all signed documents.

For Buyers

Buyers should:

  • Provide BCA Title Services with complete contact information
  • Give the purchase agreement to your lender, if financing
  • Complete all lender requirements
  • Arrange for homeowner’s insurance when required
  • Schedule inspections or testing included in the purchase agreement
  • Review closing information provided by BCA Title Services
  • Confirm how closing funds should be delivered

  • A valid government-issued photo ID
  • Any documents requested by BCA Title Services or your lender
  • Closing funds in the approved form
  • Cell phone for ID verification (when applicable) 

Never send funds using instructions received by email alone. Always call BCA using a trusted phone number to verify wiring instructions before transferring money.

  • Review and sign your final settlement statement.
  • Sign all closing documents.
  • Funds are collected and disbursed, and the property is yours.