Below you'll find some answers to common questions. If you have a question not answered, please contact us by phone at (228) 447-4849, or by email at close@krausetitle.com and we will get your answers.

A copy of your driver’s license and any funds that may be required at the closing table.
The only forms of payment accepted are money order, wired funds from your bank, or cashier’s check. We do not accept personal checks, cash, credit cards or COD (cash on delivery).
All banks and lenders require a lender’s title policy to protect their interest and the money that they are lending to you in your new loan. When you bought your home most likely you purchased an owner’s title policy which is good for the life of your home ownership. Each time you refinance, however, every new bank will require their own policy protecting their new interest.
In all primary residential refinance transactions, there is always a 3-business day Right of Rescission from the time you settle to the time your new bank funds your loan to the title company. We expect to overnight or wire funds on the day they are received.

In addition to our Ocean Springs office, at the lender’s office, at the realtor’s office, or even at the property itself.

All parties that are on the property deed will have to sign the new property deed in order to close the sale. Non-titled or non-borrowing spouses, if any, may also be required to sign the security instrument, the deed, and possibly an affidavit.

If you cannot be present, we can still get you through the closing process! We may need a specific Power of Attorney from you, and have you electronically sign documents, and certain documents your lender may require if the property is financed.
All we need is for your loan officer to contact us directly and we will take care of the rest.
An owner’s title policy protects you from unforeseen and costly problems that interfere with your interest in the home. Some examples include, but are not limited to unrecorded owners in title, unrecorded or unreleased liens and judgments and mistakes that can be caused by the county or state recording offices such as mis-indexing of recordable documents. Without an owner’s policy, you could end up spending hundreds of thousands of dollars satisfying these problems or even lose your home. Please contact our office and ask to speak with a licensed producer for more information on the benefits and/or examples.

Your owner’s title policy will protect you up to the full purchase price of your new home.

Example: You are buying a home for $300,000 and 6 months later there is a lien holder demanding full payment of an unrecorded lien in the amount of $68,000. Your title insurance will satisfy this amount.

This coverage does not increase with the value of your home; however, your owner’s policy can be updated for your new appraised value at any time.

All we need is a copy of your signed contract of sale, either from you or your real estate agent. If you are borrowing money to purchase a home, we will need the contact information of your loan officer or bank so that we can coordinate your settlement.