ClosePoint USA, LLC has handled title and settlement for New Jersey and Pennsylvania closings since 2007. The most dangerous moment in a home purchase is not the inspection or the appraisal. It is the afternoon you send your down payment — and criminals know exactly when that afternoon is.
Wire fraud is the largest loss risk in a residential closing
Who we are
ClosePoint USA, LLC is a title insurance, abstract and settlement company based in Marlton, in Burlington County, established in 2007. We handle residential and commercial closings across New Jersey and Pennsylvania, working with buyers, sellers, real estate agents and lenders.
A title and settlement company sits at an unusual point in a transaction. We are the party holding the money and preparing the documents that transfer ownership — which makes us both the most useful person in the process and, from a criminal's perspective, the most useful person to impersonate.
That is why this site leads with fraud prevention rather than with our service standards. A closing that goes smoothly is unremarkable; a wire sent to the wrong account is a catastrophe that a five-minute phone call would have prevented. We would rather spend our front page on the phone call.
Nobody remembers a closing that went to plan. Everybody remembers the one where the money went to a stranger.
Title and settlement across South Jersey and beyond
Wiring details confirmed by voice before funds move
Purchases, refinances and seller settlements
Marlton office, Burlington County
Services
Most of a settlement company's work happens in the weeks nobody sees, and the closing itself is the short part.
Policies protecting against defects in the ownership history of a property — liens, errors, forgeries and claims arising from before you owned it.
Examining public records back through the chain of ownership to find what is recorded against a property before it becomes your problem.
Holding and disbursing the funds, preparing the settlement statement, and making sure every party is paid the right amount on the right day.
Drafting and recording the instruments that actually move ownership, and confirming they are recorded correctly with the county.
Payoff figures obtained, the existing lien released, and the new mortgage recorded — the part of a refinance that quietly goes wrong most often.
For sellers: payoffs, municipal certificates, HOA documents and the administrative work that determines whether a closing date holds.
Know before you close
None of these is obscure, and all four are misunderstood by a large share of buyers who have already signed a contract. Each one is worth five minutes of your attention now rather than a discovery later.
The title policy required by your lender protects the lender's interest, not yours, and its coverage shrinks as the mortgage is paid down. If you want protection for your own equity, that is a separate owner's policy — usually available at a modest additional cost when purchased at the same time.
Unlike your homeowners policy, which covers future events like fire or storm damage, title insurance covers defects that already existed before you bought — an unpaid lien, a forged signature, an heir nobody knew about. It is a one-time premium for a backward-looking risk.
A seller cannot require a buyer to purchase title insurance from a particular company as a condition of a sale where the buyer is paying for it. You may be given a recommendation, and it may be a good one, but the choice is yours to make and worth making deliberately.
On most residential purchases you receive a Closing Disclosure at least three business days before closing. Compare it against your Loan Estimate and ask about anything that moved. That waiting period exists specifically so you can review the numbers without pressure.
How it works
The contract arrives and the file is opened with all parties identified.
Public records examined and anything recorded against the property surfaced.
Liens, payoffs, municipal certificates and HOA documents chased down.
Settlement statement prepared and wiring instructions verified by voice.
Documents signed, funds disbursed, and the deed recorded with the county.
Client feedback
Two days before closing I received an email with new wiring instructions. I called the office on the number from my contract, as I had been told at the start, and it was fraudulent. That warning at the beginning of the process saved my entire down payment.
A lien from a previous owner surfaced in the search and would have been my problem in a few years' time. It was cleared before closing rather than discovered afterwards, which is apparently the entire point of the work and I had never understood that.
As an agent I care about one thing: does the closing date hold. Payoffs and municipal certificates are chased here before they become a problem, and when something does slip I hear about it early rather than the morning of.
FAQ
Get in touch
Buyers, sellers, agents and lenders — tell us what is closing and when. And when the time comes to move money, call us on a number you already had and verify it. Every time.