Before contract
I found a buyer, but nothing is signed.
WG Title can explain the title and escrow steps. A Texas real estate attorney or broker should prepare or review the contract and advise you on its terms.
Get independent legal help ↗Texas for sale by owner help
For sale by owner? We can close the sale.
Selling without a Realtor does not mean closing without a team. Once you have a signed contract, WG Title handles the neutral escrow, title search, payoff coordination, signing, funding and recording — and tells you plainly which decisions still belong to you.
McKinney office. North Texas team. Closings across Texas.
Attorney-foundedTitle work with legal judgment behind it
10,000+Texas closings since 2011
StatewideMcKinney office, closings across Texas
Start with where you are
You do not have to know the whole closing process.
Tell us which of these sounds like your sale. We will keep the title-company answer separate from the legal or brokerage answer.
Contract signed
The buyer and I have an executed contract.
Send it now. We can open title, confirm how earnest money should be delivered, start the title search and coordinate with the buyer or lender.
Open the title file →Already moving
We are under contract and need a closing team.
Tell us the closing date, property address and whether the buyer is paying cash or using a lender. We will identify the next file requirement.
Ask the title team →The division of work
We handle the closing, not the dealmaking.
A good FSBO transaction is not owner versus professionals. It is the owner using the right professional for each part of the file.
The seller
You make the business decisions and provide the property facts.
- Set the price and market the property
- Negotiate the deal and inspection response
- Complete required seller disclosures
- Provide payoff, HOA, survey and ownership information
Your attorney or broker
Your representative protects your side of the transaction.
- Draft or review the purchase contract
- Explain legal rights, deadlines and remedies
- Advise you during negotiations
- Resolve legal questions outside neutral escrow
WG Title
We run the neutral title, escrow and closing process.
- Receipt and safeguard earnest money
- Search title and issue the title commitment
- Coordinate payoffs, lender figures and requirements
- Prepare for signing, funding, disbursement and recording
Why the line matters
WG Title is neutral escrow. We follow the signed contract and coordinate the closing, but we cannot tell either party what terms to accept or protect one side against the other. If you need that advice, use your own Texas real estate attorney or broker.
Texas FSBO closing steps
What happens after the contract is signed.
The contract and the facts of the file control the deadlines. This is the ordinary path from signed agreement to recorded deed.
- 01
Sign the purchase contract
Use your own attorney or broker for drafting, review and negotiation. WG Title begins once both sides have signed.
- 02
Open title and deliver earnest money
Send us the executed contract. We open the file and confirm the contract's earnest-money instructions.
- 03
Title search and commitment
We search the public records and issue a commitment showing the requirements and exceptions for the proposed policy.
- 04
Clear the file requirements
We coordinate payoffs, taxes, HOA information, survey questions, lender items and any title issues that must be addressed.
- 05
Review figures and sign
The parties review the settlement figures, sign the closing documents and satisfy the remaining funding conditions.
- 06
Fund, disburse and record
When the file is authorized to fund, we disburse the money, send seller proceeds and record the deed and other documents.
Texas title costs
The title premium is set by the state.
Texas title insurance premiums are promulgated by the Texas Department of Insurance and are the same at every Texas title company. Escrow fees and some other closing costs can vary. The contract controls which party pays each negotiated item.
Useful before you call
Run the numbers and prepare the house.
For sale by owner
Seller net sheet
Set compensation to zero and see what selling it yourself actually nets.
Run the net sheet →For sale by ownerMaximize Your Sell
Condition, difficulty and a prioritized repair list — the read a listing agent would otherwise give you.
Start the walkthrough →For sale by ownerSeller closing guide
The steps a broker would normally track, written out so you can track them.
Read the guide →Texas FSBO FAQ
Straight answers before you open title.
These are general explanations, not legal or transaction-specific advice. Call 214-620-2055 for the title and escrow facts of your file.
Can I sell my house without a Realtor in Texas?
A Texas homeowner can generally sell without a real estate agent. You are responsible for marketing, negotiations, disclosures and the business decisions. A title company can handle neutral escrow, title work and closing after there is a signed contract, but it does not replace an attorney or broker who represents your interests.
Will WG Title write my contract?
No. Preparing or advising on a purchase contract is legal work, and a title company acting as neutral escrow cannot represent either side. Use your own Texas real estate attorney or broker to prepare or review the agreement, then send WG Title the fully executed contract.
When should I contact the title company for an FSBO sale?
Contact WG Title as soon as the contract is signed. We can open the file, explain how earnest money should be delivered, begin the title search and coordinate with the buyer or lender. Before a contract is signed, we can explain our closing role but cannot negotiate or advise you on contract terms.
What does a title company do in a for-sale-by-owner closing?
WG Title receives the executed contract, handles neutral escrow, searches the public records, issues the title commitment, coordinates payoff and lender figures, prepares the closing file, conducts signing, disburses funds when authorized and records the deed and other documents.
Whose side is the title company on?
Neither. Escrow is deliberately neutral. We safeguard funds and follow the signed contract's instructions for both parties. That neutrality is why we cannot negotiate for you or tell you which terms to accept.
What do I actually net without a listing agent?
Run the net sheet and set listing-side compensation to zero. Note that you may still agree to compensate a buyer's agent — that is negotiable between you and them, and it is a separate decision.
Do I need title insurance if the buyer is paying cash?
A cash buyer has no lender requiring a loan policy, but ownership defects, liens, unpaid taxes, fraud and unknown heirs can still affect title. An owner's title policy protects the buyer against covered risks, and neutral escrow still provides a controlled process for funds, signing and recording.
How much does an FSBO title closing cost in Texas?
The Texas Department of Insurance sets the basic title insurance premium, so it is the same at every Texas title company. Escrow fees and some other closing costs can vary. The buyer and seller negotiate who pays the title premium and other contract costs.
Start here
Ask the FSBO closing team.
Your inquiry is saved first, then routed directly to Jamie, Kendall and Rachelle at WG Title.
WG Title provides title and escrow services, not legal advice. WG Law is a separate, independently operated company and any relationship with it is governed by its own engagement.
Texas title insurance premiums are promulgated by the Texas Department of Insurance and are the same at every Texas title company. Escrow and settlement fees are set by each company and do vary.
Planning estimate only. Your contract, lender disclosures, inspection results, tax prorations and final settlement statement control the actual numbers.
Commissions are always negotiable and are set solely between you and the broker you hire. WG Title does not set, recommend or receive any part of a real estate commission. These figures are a planning model built from the answers you gave.