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Our Process

At A Plus Settlement Services, Inc., we conduct title searches, examinations, closings, and issue title insurance that protects real property owners and mortgage lenders against losses arising from defects in title. Serving clients across McConnellsburg, Greencastle, and Chambersburg, PA, we regularly facilitate purchases and refinance closing transactions in the Counties of Franklin, Fulton, Cumberland, Huntingdon, and Bedford.

We are experts at finding potential issues and resolving them all before your proposed settlement date, often without you even knowing there was an issue. Our goal is to provide a smooth and pleasant closing experience without last minute surprises. After all, you have enough to worry about.

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The Value of Local Expertise in Title Insurance

Choosing a title company with deep roots in south central Pennsylvania ensures that your real estate transaction is handled by professionals who understand the unique legal, regulatory, and logistical requirements of the area. At A Plus Settlement Services, our team is familiar with county-specific processes in Franklin, Fulton, Cumberland, Huntingdon, and Bedford—a level of insight that helps prevent delays and ensures smoother closings.

Our relationships with local realtors, lenders, and courthouse personnel allow us to move quickly and efficiently. Whether you are buying your first home, refinancing an investment property, or handling a complex estate transfer, our local knowledge becomes your competitive advantage.

Transparent Communication Every Step of the Way

We believe that great service means keeping clients informed. Throughout your title insurance settlement process, our team offers timely updates and clear guidance on what’s needed next. From confirming deadlines to explaining documents in plain language, we make sure no detail gets overlooked.

In addition to processing your file accurately, we’re committed to answering questions quickly and ensuring you feel supported. It’s this balance of efficiency and human touch that sets A Plus Settlement Services apart.

We Take Care of Every Detail

Every closing is unique, which is why it requires a skilled professional to navigate the process. We oversee the closing process and make sure everything happens in the right order and on-time, without any unnecessary delays or glitches.

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1. Securing the Title

As soon as the seller accepts the buyer’s offer, A Plus Settlement Services begins to partner with realtors and lenders to take the deal to the closing table. We examine the public records to uncover and solve any hidden issues with the property title. After the title is cleared, we provide both the lender’s and owner’s policies of title insurance.

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2. Closing the Deal

Closing the deal is easy if you choose the right title company. A good settlement agent glues together the process of the sale, working with both the buyer and the seller in the transaction.

We pay the seller and their mortgage lender; obtain funds from the buyer and the new lender; collect recording fees and taxes for the government; facilitate the execution of all the required documentation; and file the paperwork at the local courthouse. In effect, we orchestrate the settlement from the start to finish with all parties involved, including real estate agents, attorneys, loan officers, contractors, and government agencies.

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3. Follow-up Support

After closing, we provide ongoing peace of mind for buyers by offering follow-up support for any issues buyers may have with their title. If a title defect arises, such as undiscovered liens, a missed easement, forged deed, or any other claim against the title, we will work with the title insurance underwriter to resolve it on the buyer’s behalf.

What Sets Our Title Insurance Apart

Title insurance is more than a formality—it’s a powerful layer of protection that can save you from costly legal issues. Our title insurance settlement services go beyond the basics by delivering:

– Thorough title reviews to identify and resolve potential defects early

– Customized support based on the nature of your transaction

– Post-closing guidance in case a claim arises after settlement

– Access to trusted underwriters for dependable policy coverage

When you work with A Plus, you’re choosing a partner who takes your financial security seriously.

Cyber Fraud Closing Checklist

Think you can’t fall victim to cyber fraud? Think again! Follow these tips on how to avoid cyber fraud when closing! Our tips will help you understand best practices when it comes to sending information online.

Cyber Fraud Closing Checklist

Frequently Asked Questions

What is a title search?

A title search is an early step in the homebuying process to uncover issues that could
limit your rights to the property. If a title issue is discovered, most often your title
professional will take care of it without you even knowing. After the title

What is title insurance, and why do I need it?

If you’re buying a home, title insurance is a policy that protects your investment and
property rights.
There are two different types of title insurance: an owner’s policy and a lender’s policy.
1. An owner’s policy is the best way to protect your property rights. Either the buyer
or seller may pay for this policy. Ask your title professional how it’s handled in
your area.
2. A lender’s policy is usually required by the lender and only protects the lender’s
financial interests. The buyer typically pays for this policy, but that varies
depending on geography. Ask your title professional how it’s handled in your
area.

How long does the settlement process usually take?

The settlement timeline can vary, but most residential closings are completed within 30 to 45 days from the accepted offer. At A Plus Settlement Services, we work efficiently to meet your deadlines and keep you informed every step of the way.

Why should I purchase owner’s title insurance?

Owner’s title insurance protects your investment in your property from certain future
legal claims regarding ownership of your property. For a one-time fee, you and your
heirs* receive coverage for as long as you own your home. The owner’s policy also
covers potential legal fees and court costs for settling claims covered by your policy.

What should I bring to closing?

You’ll need a valid government-issued ID, any documents your lender requires, and certified funds or wiring instructions for the closing costs. We’ll send you a checklist ahead of time so you’re fully prepared for a smooth closing.

What happens at closing?

Closing is the final step in executing the homebuying transaction. It is the process that
allows the transfer of ownership to occur. Upon completion of the closing process, you
get the keys to your home!

Do you offer electronic closings or remote services?

Yes, we offer flexible options including in-person, remote, and hybrid closings. Our secure e-closing platform allows you to complete most paperwork online while still receiving personalized guidance from our settlement team.

Who chooses the title company?

In Pennsylvania, the buyer typically has the right to choose the title company. Choosing A Plus Settlement Services ensures you receive local expertise, transparency, and a streamlined closing experience.

What does owner’s title insurance cover?

Sometimes undiscoverable defects can come up after the title search. Under an owner’s
title insurance policy, you are protected against certain undiscovered errors in the title.
Title issues include unknown:

 Outstanding mortgages and judgments, or a lien against the property because
the seller has not paid his taxes
 Pending legal action against the property that could affect you
 Unknown heir of a previous owner who is claiming ownership of the property
Unforeseeable title claims include:
 Forgery: making a false document
– For example, the seller misrepresents the identity of the person who sold the
property.
 Fraud: deception to achieve unfair gain
– For example, someone steals your identity and either sells your house without
your knowledge or consent, or takes out a second mortgage on the property and
walks away with the money.
 Clerical error: inconsistent paperwork and historical records
– For example, an unforeseeable discrepancy in the property or fence line can
cause confusion in ownership rights.

What does owner’s title insurance cost?

The one-time payment for owner’s title insurance is low relative to the value of your
home. A typical title insurance policy costs around 0.5% of the home’s purchase price.

What areas do you serve?

We proudly serve south central Pennsylvania, including Franklin, Fulton, Cumberland, and surrounding counties. With offices in McConnellsburg, Greencastle, and Chambersburg, our team is always close by to assist.

How long am I covered?

Your owner’s insurance policy lasts for as long as you or your heirs* own your property.
Your life will change over time, but your peace of mind never will.

Where can I get more information?

The American Land Title Association helps educate homebuyers like you about title
insurance so you can protect your property rights. Check out www.homeclosing101.org
to learn more about title insurance and the home closing process.