2025 Edition: Homebuyer's Guide to Savings

5 Strategies for Minimizing Closing Costs & Maximizing Allowable Credits

We've helped our clients save over $7.5 million in closing costs.

You can rather easily cut your out of pocket closing costs by several thousand dollars, leaving you extra cash to help furnish or update your new home, or simply invest for your future. We've been advising home buyers where to find these hidden savings for more than 20 years! Here’s the same advice we share with our customers, friends, and family.

Now you know.

ALT Title Insurance Company North Wales PA

Let's find some hidden savings.

If you want to reduce your out of pocket closing costs, it's helpful to know where to look. On the typical home purchase, the biggest negotiable items are related to your lender, title insurance, real estate broker, and the seller.

On a $400,000 home purchase, we'll show you how you could save up to $15,000 or more using our 5 strategies.

What are closing costs?

Closing costs, which are additional fees paid by both buyer and seller on real estate transactions, typically add an additional 5%-7% of the purchase price to the cost of buying a house. They consist of lender origination fees, title insurance fees, admin. fees and/or commissions to the real estate broker, home inspection fee, state and municipal tax and county recording fees to record the new deed and mortgage. Also included as part of the closing cost calculation, but not considered fees, are reimbursements to the seller for pro-rated portions of real estate taxes that have been paid in advance, along with funding an escrow account managed by your lender to pay future real estate tax payments and homeowner’s insurance premiums.

What does a closing cost estimate look like?

In the example below, we show you what a closing cost estimate looks like. And in under 5 minutes you can create your own estimates with just a few pieces of information on any property in PA, at my.cashtoclose.app. The tool is free to use and you can create as many estimates as you need on multiple properties without ever logging in. Or create a free account to save and return to your estimates later for editing.

(Click to enlarge or view this estimate online)

Tip #1

Ask your lender for a credit towards closing costs.

Depending upon your loan program, your lender may be able to either offer you a credit to offset some of your closing costs, or a lower mortgage interest rate, and sometimes both. Depending upon the size of the loan, we’ve worked with customers who have received lender credits up to $1,500 or more.

A lender credit would have to be factored into the loan’s pricing from the start. If you're short on cash for closing, a lender credit can help reduce your upfront costs, but you may pay more in interest over the life of the loan. If you’re interested in a lender credit, ask to see a comparison of costs with and without.

ai icons

How to discuss rates or a lender credit

Here's a quick AI generated email to ask your lender if you're getting the best possible rate and if there's room for improvement or even a credit.

Hi [Lender’s Name],

Thank you for the offer you've provided—I appreciate your time and support so far. Before moving forward, I want to make sure this reflects your most competitive rate and loan terms. I'm currently comparing options from a few lenders and would like to know if there's any room for improvement in the interest rate, fees, or lender credits.

Could you provide a loan comparison both with and without a credit? How would a credit impact my rate?

FAQs: Mortgage & Lenders

What is a mortgage broker?

Do I need to be pre-approved for a mortgage?

What is required for a mortgage pre-approval?

Pre-approvals can be relatively easy, especially if you're organized. First your lender will pull a copy of your your credit report, then they'll need to verify a number of things:

Verify your income by reviewing your pay stubs and W2 forms
Verify that you have a stable employment history
Review your expenses to determine the amount of money you’d be able to borrow.

Once that all checks out, they’ll provide you with a pre-approval letter which you can submit with your offer so that the seller can see that you are qualified.

Tip #2

The “One-Stop Shop” is Rarely a Bargain

Brokers, builders, and lenders often push their in-house or “affiliate” title company, pitching it as a more convenient, all-under-one-roof solution.

But here’s the truth: these one-stop shops are typically built on profit-sharing and referral fees. Whether it’s the in-house title company or the agent-for-hire showing up on Zillow listings, everyone’s taking a cut—and those costs are passed on to you.

When you choose an independent title company like ALT, you cut out the middlemen and their extra fees. You could save $1,000 or more just by shopping around.

Want proof? Use our online title calculator 24/7 to get a complete and accurate quote.

	In-House Title Company	Independent Title Company (like ALT!)
Who recommends them	Your agent, builder, or lender	You choose freely (your legal right in PA)
Why they’re recommended	Part of a profit-sharing or referral arrangement	Chosen for transparency, service, and savings
Cost to you	Often higher due to referral fees and overhead	No administrative fees, no referral markups
Process & timeline	Same process, marketed as more “convenient”	Same process—with a more comprehensive service and less cost
Transparency	May lack a formal quote or full itemization of all fees up front	Complete and accurate title calculator available online - the same one we use in the office.
Potential savings	This business model is not built for saving you money.	Clients save an average of $500–$1,000+

Buyer-Side Title/Settlement Services	ALT	Typical One-Stop Shop
Settlement/Closing Fee	✅ Included	$495–$695
Document Preparation	✅ Included	$150–$250
Wire & Courier Fees	✅ Included	$50–$100
Notary Fees (if needed)	✅ Included	$25–$75
Real Estate Attorney reviews settlement documents	✅ Included	❓
Doc prep fee for future deed modifications/change in title	✅ Free for as long as buyer owns the property	$150–$250 each
Notary fee for future in-person services	✅ Free forever for the buyer(s)	$25–$75 each
	$0	$700–$1,100+

ai icons

When your agent suggests the in house title company

When your real estate agent asks you to sign an authorization allowing them to order title insurance with their in-house title company - AI suggests this response:

Hi [Agent’s Name], before I proceed with any of the third-party services you’ve recommended, I’d like to confirm whether any of these referrals involve financial incentives, paid marketing agreements, or referral fees. I want to ensure there are no conflicts of interest and that all recommendations are being made in my best interest. Please clarify this in writing.

When asking for a title quote

When asking for a title insurance quote, here's an AI email template to get you started:

Hi, I’m shopping for title insurance and would like a full breakdown of all fees associated with both the lender’s and owner’s policies. Please include title premiums, search and exam fees, settlement or escrow fees, recording fees, and any other charges. I want to make sure everything is disclosed up front with no hidden costs.

FAQs: Title Insurance & Settlement Services

What is the one stop shop?

The one-stop shop is the marketing illusion that you’ll get the best deal for multiple services all in one place. In fact, your agent and/or their broker will probably ask you to commit to using the in-house title company when you're placing an offer on a house. It's not necessary to commit at this time. Ask for a complete estimate with all related fees and tell them you plan on shopping around.

The reality is that although it sounds good, when you compare transparency, service and price, you’ll likely get better value from an independent title company like ALT.

Does title insurance cost the same everywhere?

When do I shop for title Insurance?

Now that you know that title insurance related fees and services don’t cost the same everywhere and you can save money, you’ll want to start getting familiar with what the estimated cost will be once you know your price range and approximate amount of your future mortgage.

Those are the two numbers that you’ll need to determine the cost of the title insurance policy. Once you have that information, it’s time to start getting estimates for title insurance and settlement services.

When do I order my title search?

You’ll want to order title search once your offer has been accepted. Once you place your title order and the home inspection is clear, a good title company will have the search completed in 5-7 business days.

If you’re being told you only have 6 days after your offer is accepted to order title insurance according to the terms of the PA Agreement of Sale, don’t sweat it. There’s a poorly written clause that was added to the agreement by the PA Association of Realtors in an attempt to give their brokers a greater ability to steer business to their in-house title company.

If you need a few extra days to decide, let your agent know as it’s not a big deal. Furthermore, the clause does not give your agent the authority to take control and order title insurance without your approval.

Tip #3

Ask your real estate broker for a commission rebate.

If your real estate agent’s commission is being paid by the seller or builder, your mortgage lender will typically allow your agent to credit a portion of their commission to offset some of your closing costs at settlement.

A commission credit towards closing costs could save you more than $1,000 at final settlement.

Savvy real estate agents and brokers realize that by easing the financial impact on their clients, they’ll potentially attract more business. But not all brokers or agents are willing or able to offer a commission rebate, so we recommend bringing it up early in the process—ideally while you're still interviewing potential agents.

ai icons

How to ask for a commission rebate

FAQs: Real Estate Broker/Agent

What mistakes to avoid when interviewing potential agents?

If closing cost assistance or making sure you get the best deal on real estate services is part of your strategy to offset some of your closing costs, you probably don’t want to hire the featured service providers on big home sites like Realtor.com or Zillow. While these sites are great resources for finding a home, the agents and other service providers featured on their sites are giving up a hefty chunk of their income in return access to you as a client — so they’re often less flexible with offering rebates, waiving admin and other negotiable service fees, as well as the most competitive mortgage interest rates.

What is a buyer's broker?

A buyer’s broker is a real estate agent who is hired by the buyer to represent their best interests throughout the home buying process. When the buyer and agent sign a formal agreement, the agent takes on a fiduciary duty—meaning they are legally and ethically obligated to act in the buyer’s best financial interest.

This includes:

Putting the buyer’s needs ahead of their own
Disclosing all important information that could impact the buyer’s decision
Following all lawful instructions from the buyer

Having a buyer’s broker ensures you have a professional advocate on your side during negotiations, inspections, and every step of the transaction.

Do all agents offer their buyers commission rebates?

No, they don’t, but the smart ones will.

The idea behind the commission rebate is based upon an assumption that the seller is paying the commission to the buyer’s agent. Under that scenario the buyer’s agent would rebate a portion of their commission to assist the buyer with their closing costs. Sort of like a thank you to the buyer for choosing them to be their agent. It’s also a smart business decision and will likely lead to future referrals.

If a commission rebate is part of your strategy to offset some of your closing costs, you probably don’t want to hire an agent on one of the big real estate websites. Those agents are already giving up a hefty chunk of their income just to be introduced to you — so they’re often less flexible on offering rebates or waiving admin fees.

How do I receive the rebate? Is it cash?

Commission rebates from your real estate agent or broker are considered as credits and need to be disclosed to your lender. With lender approval, the commission rebate can be applied as a credit against the amount of money you’ll need at settlement, which reduces your out of pocket expenses.

Or if the rebate puts you over the maximum credits allowed towards closing costs, your broker can write you a check once the transaction has closed.

Tip #4

Ask your real estate broker to waive their admin fee.

Broker admin fees—also known as broker service fees or flat-fee commissions—are charges brokers collect for so-called administrative services.

Typically, the broker will say this covers services like ordering title insurance, communicating with your lender, scheduling final settlement and sending out settlement notices. In practice, though, much of this work is actually handled by the title company, making this fee feel more like a junk-fee than a necessary expense.

Eliminating this fee can save you an additional $500 or more

ai icons

How to ask your broker to waive the admin fee

Here's a quick AI generated email to use when asking your real estate broker/agent to waive their admin fee.

Hi [Agent’s Name], I noticed there’s a [broker service/admin/transaction] fee listed in the agreement. I want to be upfront that I’m not comfortable paying anything more than I have to. Many agents I’ve spoken with are waiving these fees entirely, and I’d like to ask that this fee be removed or reduced as part of working together. Let me know if that’s something you can accommodate.

FAQs: The Broker Admin Fee

Is this fee in addition to the sales commission?

Yes. Unfortunately, consumers often times find themselves in the middle of compensation challenges between real estate brokers and their agents. As brokers search for ways to offset paying their agents a large majority of the total commission, some brokers pass additional fees onto the customer to increase revenue. This tug of war has nothing to do with the consumer and the law is on your side. Consumers do not have to pay additional fees or use their real estate broker's in-house service providers as a condition of buying real estate.

What if the broker refuses to waive this fee?

Know your rights. Under federal law, the buyer is not required to use any ancillary services provided by their real estate broker as a condition of purchasing real estate. If you plan on shopping around, we suggest stating your intentions up front while interviewing potential agents. This prevents any hard feelings or misunderstandings once the emotions of house-hunting kick into high gear.

If I don't pay it, who will manage my transaction?

A reputable independent title insurance company will already be providing the majority of these services for no additional charge. It’s all included in the one-time title insurance premium that you pay at final settlement.

For instance, when you hire ALT to provide title insurance and settlement services, we manage your transaction and there’s no additional charge. And the total list of services that we perform on your behalf far exceeds the transaction management services offered by most real estate brokers.

See what's included

Tip #5

Understand seller credits, gift funds from family, and government grants.

All three of these could save you thousands of dollars and a gift from a family member could cover ALL of your out of pocket closing costs. But it’s important to understand the differences and the advantages of each because there are limits on seller credits and some grants may require you to pay some of the money back under certain circumstances.

ai icons

How to ask for a Seller Credit?

Here's are some simple AI generated emails to guide you if you're interested in a Seller Credit. You'll want to keep your agent and your lender in the loop.

Let your agent know you’d like to request a seller credit.

They’ll suggest an appropriate amount and include it in the offer.

Subject: Request to Include Seller Credit in Our Offer

Hi [Agent's Name],

I’m ready to move forward with an offer on the property and I wanted to discuss including a seller credit to help cover some of my closing costs.

Can you advise on how much would be reasonable to request based on the price point and what’s typical in this market? Whether a percentage or flat amount, I’m open to your guidance.

Let me know how we would structure it in the offer, I'd like to run this past my lender first.

Thanks so much,

Make sure your lender is on board, as there are limits to how much seller credit you can receive.

Hi [Lender’s Name],

I’m preparing to make an offer on a home and planning to request a seller credit to help cover some of my closing costs—possibly around [x $ or %].

Can you let me know:

The maximum seller credit allowed for my loan type?
How it needs to be worded in the contract?
If there’s anything I should be aware of from your end (like appraisal considerations or timing)?

I want to make sure it’s structured properly so there are no issues later on.

Thanks in advance for your help!

How to ask family for a little cash?

Here's a quick AI generated template to use if you're thinking about asking family members to kick in a little cash. Just remember to keep your lender in the loop. There are no limits to donations from family, but all gifted funds need to be disclosed.

You may be inclined to send a text or email, but perhaps for close family members, a phone call maybe be most effective. To avoid it sounding like a shake down, the key is to approach with gratitude, clarity, and a touch of humor so it doesn’t feel awkward.

Hey [Mom, Dad, Grandpa Joe]

So…remember all those times you said I should stop renting and build equity?

Well, I’m finally doing it! I’m about to make an offer on a house, and I’m looking at my numbers. I can comfortably afford the monthly payments, don't worry. But between the down payment and the closing costs, my savings account is going take a hit.

I know this is a big ask, but would you consider gifting a little something to offset some of my costs? No pressure—just asking. I’d be super grateful for any help, and I’ll be sure to save you a spot on the couch!

FAQs: Credits, Gifts, Grants

How does a seller credit work?

A seller credit is negotiated as part of your offer on the property. It is an amount of money that the seller will contribute to your allowable closing costs at settlement, and that could be a tradeoff for a higher offer price, an expedited settlement, or other concessions in terms of the sale.

A seller credit can also be used to buy down your mortgage interest rate for the first two years of your loan so that you can ease into home ownership with a lower interest rate and monthly payment.

If you are planning to ask for a seller credit or any other types of credits or grants, you must involve your lender before making an offer on a house. Your lender will need to structure your loan and your offer in a way that maximizes the total amount of all allowable credits.

How do gift funds from family work?

Another option to reducing the amount of personal cash you’ll need to buy a new home is receiving gift funds from a family member. Unlike seller credits, lender credits or commission rebates, there are no limits to the amount of gift funds that you can receive towards the purchase of your new home.

Gift funds can be used towards closing costs and your down payment, essentially making it possible for you to buy a new house without touching your savings.

Gift funds can also be applied to a buy down on your mortgage interest rate.

How do government grants work?

Pennsylvania and/or the local government where the property is located will sometimes offer first time homebuyers, or low-income buyers, grants that can be used for down payment assistance, but there are usually some strings attached.

Government grants typically require you to stay in the property for a specified period of time in order for the grant to be forgiven. If you decide to move before that window of time, or if you add or remove someone from the title to the property, you may need to pay all or a part of the grant money back. Most grants show up as a lien against the property which remains in place until the maturity date.

for sale by owner settlement services for private pa transactions

ALT's Comprehensive Service for Private Transactions, For Sale by Owner

When the buyer chooses ALT for their title insurance, both Buyer and Seller can save money at settlement. View a list of our comprehensive services.

	Included in the one time title insurance premium
Accessible in-house attorney & experienced licensed title agents	✅
Draft the Agreement of Sale and other necessary addendums once all terms have been agreed upon	✅
No conflicts of interest with using affiliated title companies	✅
Perform a 60-year title search and prepare title insurance commitment	✅
Distribute the title commitment to your lender and all other parties	✅
Assist buyer’s lender in clearing mortgage conditions related to clear title	✅
Disclose and collaborate with sellers to clear potential title issues, outstanding liens, judgments and municipal taxes & utilities*	✅
Hold earnest money/deposit money in our escrow trust account and make sure it’s properly credited at closing	✅
Prepare the new deed transferring ownership (no charge to seller or buyer)	✅
Schedule your final settlement, send out settlement notices	✅
Collaborate with your lender to prepare and distribute your final Closing Disclosure and ALTA Settlement Statement	✅
Conduct closing at the location of your choice, explain and notarize all mortgage and related settlement documents	✅
Collect and disburse all funds according to the terms outlined on the ALTA Settlement Statement	✅
Record the deed and mortgage with your local municipality	✅
Issue final title insurance policies to the new property owner and lender	✅
Provide electronic copies of all settlement documents post closing	✅
No doc prep fee for future deed modifications (change in title vesting as a result of a life event for as long as the insured buyer(s) own the property)	✅
Free in-person notary services for life for the insured buyer(s)	✅
Additional fees to process your transaction:	$0

Title Clearing/Settlement Services	ALT	Typical One-Stop Shop
Order mortgage payoff, tax & municipal certifications (Cost of certifications are additional)	✅ $375	$395–$595
Deed preparation	✅ Included	$150
Courier and wire fees	✅ Included	$50–$100
Notary fees (in-person)	✅ Included	$25–$75
Total Title Clearing Fees for the Seller	$375	$620–$920

When a property catches your eye, estimate all your closing costs with this free tool.

It's 5-in-one mortgage calculator

Calculate when payments will start and how much they'll be
Calculate pro-rated closing costs, including insurances based on the settlement date
Calculate state and local taxes including school taxes based on the exact address
Calculate the funds you'll need for closing
Identify areas where you could potentially further reduce or eliminate fees

Estimate your monthly payment>>

iphone xs cash to close estimate 512x1024

More Helpful FAQs

How can I make my offer stand out?

Who pays the buyer's broker/agent?

With the new rules established in 2024, commissions have changed. The seller pays their agent (listing agent), and the buyer is responsible for paying their agent. The seller has no legal obligation to offer a commission to the buyer’s agent. Many sellers will continue to offer the buyer’s agent a commission, but for those who don't, the buyer can make that part of the negotiation.

What happens if the seller does not pay the buyer’s agent’s commission?

Prior to viewing any houses, the buyer should negotiate their agent’s commission. Whether it be flat dollar amount or a percentage of sale price, this is what the buyer will be obligated to pay their agent if the seller doesn’t agree to pay a commission.

We suggest a flat dollar amount because it removes all ambiguity, as opposed to the outdated percentage of sale price.

Keep in mind, if the seller offers a commission that’s less than what the buyer agreed to pay their agent, the buyer will be responsible for paying the difference. Many agents will accept the commission offered by the seller as payment in full, so long as it’s reasonable. This is the main reason why we believe in negotiating in dollars, rather than percentage of sale price.

It's of utmost importance that the buyer has a clear understanding as to what they are agreeing to when negotiating commission with their agent.

What is a 2/1 Mortgage Rate Buy Down?

In addition to lender credits, you'll also want to discuss any seller credits with your lender.

A "2/1 Buy Down" is a loan feature which allows the buyer to receive a seller credit towards their allowable closing costs. The seller offsets the mortgage loan's interest rate (2 points the first year, and 1 point the second year) by crediting an equivalent amount to the buyer at settlement.

Because this seller credit needs to be structured as part of the loan as well as the agreement of sale, the buyer should work with an experienced lender before making an offer on a house.

How to Save Money Over the Life of Your Mortgage.

Avoid Scheduling Settlement at the End of the Month

Settlement Day Checklist

Common Ways to Hold Title in PA

When you purchase real estate, one of the decisions that you’ll be making is how to take title to your new property. There are different types of tenancy, and the one you declare on the deed is actually quite important. The type of tenancy indicates how the ownership is legally structured and how the property's ownership will be handled after one of the tenants is gone. Your title company can help you understand your options so that come settlement day, you're not rushed through this very important decision.

Learn more

What's title insurance?

Title insurance is an indemnity insurance that protects property owners (and their mortgage lender) against a financial loss in the event that a lien or judgment created by a previous owner should pop-up during the time that you own the property. When you purchase an owner’s title insurance policy, you’re covered for claims up to the purchase price of the property. An owner’s title insurance policy would also cover litigation costs for any covered claim, whether or not the claim is legitimate.

What does a title company do?

Title companies wear several different hats during the course of a real estate transaction. Once you have a signed agreement to buy real estate, we start by completing a title search that goes back at least 60 years to make sure that the sellers are the rightful owners of the property and that they (along with the owners before them) haven’t created any liens or judgments that would prevent the buyer from owning the property free and clear of all defects.

We’re also responsible for coordinating the real estate settlement process with the buyers, sellers, mortgage lender, and real estate agents. Lastly, we conduct final settlement, and we assure that all of the seller’s financial obligations that could create a lien against the property are satisfied, the mortgage documents are signed, notarized, and recorded according to the lender’s instructions, and all taxes and other payments are dispersed according to the terms outlined on the ALTA Settlement Statement.

Do I have to purchase owner’s title insurance?

Although you are not required by law to purchase an owner’s title insurance policy, we recommend that you do so. When you weigh the benefits of the owner’s policy, along with the fact that it’s a one-time premium paid at settlement and the policy remains in-force for as long as you and or your heirs own the property, it's well worth the peace of mind.

Keep in mind, if you’re going to have a mortgage, your lender will require you to obtain a lender’s title insurance policy to protect their interests against defects in title. If you're financing 80% or more of the purchase price, the lender’s title insurance policy accounts for the majority of the cost of the title insurance, making the additional premium for the owner’s policy just a few hundred dollars.

Who chooses the title company?

Federal law gives homebuyers/borrowers the right to choose their own title company in states like Pennsylvania, where it’s customary for the buyer to pay for it. Although your real estate agent, lender, or builder can suggest that you use their title company, they can’t demand it. If you’re purchasing new construction and your builder is insisting that you use their title company, who actually pays is negotiable, so if it’s that big of a deal to them, ask them to pay for it.

What NOT to sign when placing an offer on a house?

Just like when you buy a car and the dealership presents a list of optional add-ons, real estate transactions can include similar "extras." When you make an offer on a home, your real estate agent or broker might present you with disclosures offering administrative services or title insurance. But here’s the truth: your offer is not contingent upon agreeing to these providers or their services so don’t feel pressured to sign anything you're unsure about. Once your offer is accepted, you'll have about a week—around the same time you're scheduling your home inspection—to finalize your choices for title insurance and other services.

Great service from Susan, Frank, and the entire team! I sold my Old City condo in a private sale. ALT Title handled the entire transaction, providing me with a purchase agreement, all necessary disclosure forms and handling the closing. I didn't have to use a realtor or attorney, which saved me thousands of dollars and lots of aggravation. I highly recommend ALT Title and would definitely use this business again in the future.

Jim Donovan on Google

Going with ALT was one of the best decisions I made as a first time home buyer.

The first title company I was connected to had a really nice digital interface & a snazzy app, but they also couldn’t/wouldn’t tell me what I should expect to pay on top of the cost of insurance. They were asking me to sign the insurance agreement and I still had no idea what other fees would be involved to close.

ALT was crystal clear: they gave me their estimate, and they charged me exactly that estimate, which plainly listed out what it did and did not include. The other title company insisted that the estimate was not realistic and too good to be true, but that’s what I paid. ALT covered/comped almost all the incidental costs over the insurance premium—no other title company’s price came close.

At that unbelievably low price, I also got super friendly, super responsive, knowledgeable service. Everyone at the company was great, helped make things happen fast, and also walked me through some of the non conventional aspects of our purchase. (Another thing the other title company not only could not do, but seemed unclear on themselves.)

Seriously: it seems like there should be a catch but there isn’t. Cannot recommend this company highly enough.

K.L., posted on Google

ALT saved me a few hundred dollars.

"I have been warned about ripoffs and hidden fees at settlement. They answered my many questions and helped to eliminate a phony charge the seller's realtor wanted to collect from me. They charged me exactly what PA dictates and NOTHING more--no conveyancing fees, no notary fees, no office use fees, no deed recording fees or any other invented fee of any kind."

Rich C., posted on Google

I was introduced to ALT through my realtor.

"The quote was unbeatable. No hidden fees at settlement. No surprises at all. They were on time and everything was smooth. Frank answered all the questions patiently and things to avoid after the settlement in regards to duplicate deeds in mail and other cautions. I would recommend ALT to anyone looking for a title company."

-Arvind J., posted on Google

Everyone was so great to work with at ALT.

"We used ALT recently to purchase a new home and they were fantastic. They made the process so easy and the best part was that you didn't have to fight with them over any hidden charges which sometimes happens with title companies. I recommend them highly."

-George H., posted on Google