Residential
Residential title insurance
Protection from hidden defects like liens, recording errors or unknown heirs, for as long as you own the home.
Owner's vs. lender's policy
Title insurance & settlement · NJ & PA
The pinnacle of service and protection.
Buyers, sellers, agents and lenders across New Jersey and Pennsylvania trust Spire to clear title, protect their money and make closing day easy.
4.9 from 370 Google reviews
Agent of Chicago Title & Westcor
5 offices in NJ & PA
A team that picks upNamed contact from contract to keys
Order title
Upload the agreement, we fill in the rest.
Quote & net sheet
Title premium, transfer tax, seller net.
Pay earnest money
Secure ACH deposit via CertifID.
Verify wire info
Check an email, phone or instructions.
Track my closing
Your secure client portal.
After closing
Deed, policy & payoff requests.
Why Spire
Knowledge, service and technology, on every file.
A title company should know the law cold, answer when you call, and use technology to make closing easier. We built Spire to do all three.
Knowledge
Led by 25+ years of title experience, and we share it: plain-English guides, FAQs and videos for every side of the deal.
- NJ & PA expertise
- Residential & commercial
- Free resource library
Service
A named contact from contract to keys, a production team that gets ahead of problems, and closing rooms people actually enjoy.
- Dedicated point of contact
- Five local offices
- Flexible & mobile closings
Technology
A secure client portal, electronic deposits, e-signing and remote notarization: fewer trips, fewer calls, better protection.
- Secure client portal
- Encrypted earnest money
- E-sign & remote notary
How it works
From contract to keys in five steps.
You'll always know where your file stands and who's handling it.
1
Order
Your agent or you open the file online. We confirm the same business day.
2
Search & exam
We search the records and issue a title commitment listing what must be cleared.
3
Clear to close
Payoffs, liens and municipal items resolved; numbers finalized and reviewed with you.
4
Closing
Sign at any of our five offices, with a mobile notary, or remotely where allowed.
5
Record & protect
We record the deed, pay off loans and issue your title insurance policy.
Follow every step in your secure client portal
Upload documents, e-sign, see milestones and message your closing team, all in one place. New to it? Our two-minute guide shows you around.
Services
Title and settlement, done right.
Commercial
Commercial title insurance
Thorough searches and curative work for investors, lenders and developers, from single parcels to portfolios.
Start a commercial order
Settlement
Settlement services
Every party, document and dollar coordinated so closing day is short, clear and on time.
What to bring to closing
Wire fraud prevention
Wiring money? Verify first.
Criminals send fake wiring instructions that look exactly like ours. Before you send a dollar, check the sender and the instructions with our verification tool, then call us at a number you already know.
Always confirm instructions by phone, using a number you already know.
Be suspicious of any email that changes wiring instructions.
Our wiring instructions never change, and we will never ask you to send money somewhere new.
Our team
+20
Meet the team
People you'll actually talk to.
Meet the sales team who will be your point of contact, and the production and operations team behind every file.
+20Reviews
What our clients say.
4.9
370 Google reviews across 5 offices
Resources
Browse all resources
Know before you close.
Guides, answers and short videos for buyers, sellers, agents and lenders, written by the people who handle your file.
Offices
Five convenient closing locations to best serve you.
Main line (856) 484-5284 · [email protected]
Proud agent of
Home / Our team
Our team
The people behind every file.
Your sales contact is your advocate from contract to keys. Behind them, our production team searches, clears, closes and disburses every file.
Leadership & sales
Your point of contact.
Tap anyone to read their story and reach them directly.
Production & operations
The team behind every file.
Coordination, processing, closing and the support team behind them. Not sure who has your file? Call the main line and we'll connect you.
Home / Resources
Resource center
Know before you close.
Plain-English guides, one-page graphics, short videos and answers to the questions we hear every day. Pick your role, or search.
Sending money for a closing? Verify the wiring instructions first. Spire's instructions never change.Verify wire instructions
Guides
Short reads on how title and closings work in NJ and PA. Every guide has a one-page graphic you can download or share.
Nothing matches that yet. Try the FAQ below, ask our assistant, or call (856) 484-5284.
Video library
Short explainers. New videos from our team are on the way.
Frequently asked
Quick answers. Don't see yours? Ask our assistant or call us.
Glossary
The words you'll hear on the way to closing.
Home / Calculators
Calculators
Know your numbers.
Estimate the full buyer closing costs, including standard and enhanced title policies side by side, plus seller costs, net proceeds and transfer tax for New Jersey and Pennsylvania. These use the same rates and fee schedule our team quotes from.
Transaction
Property type
Choosing coverage
Standard or enhanced owner's policy?
Every owner's policy protects you from title problems that existed before you bought the home. An enhanced policy (the ALTA Homeowner's Policy) adds protection for problems that can come up after you buy, and for some issues a survey or permit search might have caught. For most one-to-four family homes it costs about 10–20% more, paid once at closing.
CoverageStandardEnhanced
Forgery, fraud, undisclosed heirs, recording errors, liens before you bought✓✓
Forgery or impersonation after you buy (someone tries to sell or borrow against your home)–✓
A neighbor builds onto your land after you buy–✓
Forced removal or fixes for a prior owner's building-permit or zoning violation*–✓
Your structures encroach on a neighbor's land or an easement*–✓
Coverage grows with your home's value, up to 150% over five years–✓
No legal vehicle and pedestrian access; supplemental taxes from work done before you bought–✓
Rent for a substitute home if a covered title problem forces you out–✓
*Some enhanced coverages carry a deductible and a maximum. Enhanced policies are available for one-to-four family residences; availability and terms depend on the property and underwriter. Your Spire contact can walk you through the policy before closing. In New Jersey, the enhanced rate is 120% of the standard rate and already includes several lender endorsements; in Pennsylvania it's the standard rate plus 10% (TIRBOP 5.9).
Home / Security & privacy / Wire safety
Wire fraud prevention
Verify before you wire.
Every day, criminals email fake wiring instructions. They use look-alike email addresses and stolen logos to pose as your agent or title company. Check anything that asks you to send money, then confirm it by phone.
Our promise: Spire has one escrow account and our wiring instructions never change. We will never email, text or call asking you to send money to a different account, and never at the last minute. If anyone does, it isn't us. Stop and call (856) 484-5284.
Check the wiring instructions you received
Just two numbers. Enter the routing and account number from your instructions and we'll compare them with Spire's one escrow account: match or no match. Spaces and dashes don't matter, and we never display our account number.
Check an email address or phone number
Paste the sender's full email address or the phone number you were given. We check it against Spire's real domain, team and main line, and flag look-alikes and personal email accounts.
Verify by phone with Ava
Call our main line at (856) 484-5284 and follow the prompts to reach Ava, our AI voice verification assistant. She'll walk you through confirming your instructions, or connect you with your closing team.
Call (856) 484-5284Or have us call you
We'll call you back at the phone number already on your file, never at a number typed here.
Watch
How wire fraud happens, and how to stop it.
A short video from the American Land Title Association on how criminals target home buyers, and the simple habits that keep your closing funds safe.
Safeguards
Protect your closing funds.
Call, don't email
Confirm instructions by phone using a number you already know. Never use a phone number or link from an email.
Changes are a red flag
Our instructions never change. A "new account" or last-minute change is the number-one sign of fraud.
Forward, don't reply
Hit forward and type the address yourself. It makes a look-alike address much easier to spot.
Confirm the name
Ask your bank to confirm the receiving account name is Spire Abstract LLC before sending.
Slow down
Urgency is a tactic. No legitimate closing needs a wire in the next ten minutes without a call.
Verify right after
Call us once you've sent it so we can confirm receipt. The sooner a problem is caught, the better the chance of recovery.
Think you've been targeted?
- Immediately call your bank and ask them to issue a recall notice for your wire.
- Call us at (856) 484-5284.
- Report the crime at ic3.gov, and call your regional FBI office and local police.
You have the best chance of recovering your money if the wrong wire is caught within 24 hours.
Home / Order title
Order title
Open a file in two minutes.
Start with the agreement of sale and we'll fill in the details for you. You just confirm.
or
Home / Post-closing requests
After closing
We're still here after the keys.
Need your recorded deed, your owner's policy or an update on a payoff? Pick a request and we'll route it to our post-closing team.
Uploads are encrypted in transit and go only to our post-closing team. For your security, documents we send back go only to the email or mailing address on your file.
Home / Contact
Contact us
How can we help?
Send us a question and our service team will reply by email, usually the same business day. For an active file, your closing team is the fastest route.
Home / Careers
Careers
Build your career at Spire.
We're always glad to meet people who care about getting the details right. Send us your resume and tell us what you're interested in, and we'll be in touch if there's a fit.
Home / Pay earnest money
Earnest money deposit
Send your deposit safely, in about five minutes.
Pay your earnest money electronically from your phone or computer. No wiring instructions, no trip to the bank, and no account numbers shared by email.
Secure payments powered by
You'll leave spireabstract.com to complete your payment on CertifID's secure site.
Before you start
- This portal is for earnest money deposits only (initial or additional deposits).
- Never use it for your cash to close unless Spire Abstract has given you explicit written permission.
- It uses the ACH network, not a bank wire. We're notified as soon as you start the transfer, but funds can take 1–3 business days to arrive. Everyone on the transaction is notified once they post.
- There is a $15 third-party vendor fee for the ACH transfer, charged by our payment provider and shown to you before you pay. There are no surprises.
What you'll need
Have these ready.
A U.S. mobile phoneTo receive a one-time security code by text or call.
Your personal detailsLegal name, date of birth, last 4 of your SSN and home address, to verify your identity.
Your online banking loginFor a checking account with enough available funds. Savings accounts are more likely to be limited, blocked or returned.
Property & amountThe property address and deposit amount from your agreement of sale.
How it works
Six simple steps.
- 1Open the secure link
Tap Start my deposit on this page, then Get Started. Only use the link on spireabstract.com, never a link from an unexpected email or text.
- 2Verify your phone
Enter your mobile number and the one-time code you receive.
- 3Choose your Spire office
Pick the Spire Abstract office handling your closing. It's on your agreement of sale, or ask your agent or Spire contact. Choosing the wrong office can delay your deposit.
- 4Confirm your identity
Enter your legal name, email, date of birth, last 4 of your SSN and home address. This protects you and confirms you're the buyer.
- 5Add payment details & connect your bank
Enter the deposit amount and property address, then securely connect your checking account through Plaid. We recommend checking rather than savings: banks often limit or block transfers from savings accounts, which can deny or return your deposit. Your bank login is never seen or stored by Spire or CertifID.
- 6Review and pay
Check the amount, the $15 vendor fee and the account, then tap Pay Now. You and Spire both get an email confirmation, and you can share it with your agent. You'll get another email when the funds arrive.
Protected against fraud
Your identity and bank account are verified before a dollar moves, so your deposit goes exactly where it should.
Easy, 24/7
Pay from anywhere, on any device, in minutes, with no bank trips and no wiring instructions to copy.
Transparent
You'll see the total, including the $15 vendor fee, before you submit, plus email updates when funds are sent and received.
Watch
See a deposit from start to finish.
A short walkthrough from CertifID, our secure payment partner, showing how an earnest money deposit is sent safely, from the secure link to confirmation.
Questions
Earnest money FAQ
When will Spire receive my deposit?
We're notified as soon as you start the payment. Because it's an ACH transfer, funds usually post within 1–3 business days, and all parties are emailed when they do.
Can I use this for my cash to close?
No, not unless Spire Abstract gives you explicit written permission. ACH transfers can take days to clear. Your closing team will give you instructions for closing funds and you should always verify them by phone. See Wire safety.
My bank isn't listed. What do I do?
Search for it by name. Over 16,000 banks are supported. If you still can't connect, call us at (856) 484-5284 and we'll give you another secure option.
Can I pay from a savings account?
We recommend a checking account. Many banks limit or block ACH transfers from savings accounts, so the deposit may be denied or returned, which delays it. If you only have savings, call us first at (856) 484-5284.
Is my information safe?
Yes. Your bank connection is made through Plaid with strong encryption, and neither Spire nor CertifID sees or stores your banking login.
Who do I contact for help?
Questions about your deposit or file: your Spire contact or (856) 484-5284. Technical trouble with the payment screens: CertifID support at [email protected].
Disclosures Draft · needs review
Earnest money deposits submitted through this portal are processed by CertifID, Inc. and its banking partner, and are subject to their Terms of Use and Privacy Policy. Deposits are made by ACH and are not a wire transfer; funds typically take 1–3 business days to post. A $15 third-party vendor fee applies to each ACH deposit, is charged by the payment provider (not Spire Abstract), is shown before you submit, and is non-refundable. Spire Abstract LLC is not responsible for delays caused by your financial institution, for payments sent to the wrong closing office, or for funds sent through any link other than the one published on spireabstract.com. Transaction limits may apply; payments from savings accounts may be limited, denied or returned by your bank, and a checking account is recommended. Deposits are held in Spire Abstract LLC's escrow account and released only as provided in your agreement of sale and applicable law. This portal may not be used for cash to close without Spire Abstract's explicit written permission.
Home / Client portal
Client portal
Your closing, in your pocket.
Every Spire closing comes with a secure client portal, powered by Qualia Connect. See your order's progress, message your closing team securely and share documents without email attachments.
Track milestonesSee where your file stands, from title search to closing and recording.
Message securelyTalk with your closing team inside the portal instead of email.
Share documentsUpload and download documents safely, from your phone or computer.
Stay protectedEncrypted, and only people on your transaction can see your file.
Signing in
Three things to know.
- 1Watch for your invitation
Once your order is open, you'll get an email invitation to your file from Spire Abstract through Qualia.
- 2Use the email on your order
Sign in at connect.qualia.com with the same email address we have on your order. If it's a Google or Microsoft address, you can sign in with that account instead of a password.
- 3Wrong or old email?
Contact your Spire team at (856) 484-5284 and we'll update the contact on your order so you can get in.
Watch
A quick tour of your portal.
See how buyers and sellers use Qualia Connect to follow their closing, message the team and share documents securely.
More about Qualia ConnectHome / Security & privacy / Privacy
LegalPrivacy policy
How Spire Abstract collects, uses and protects your information.
We never sell, rent or lease your personal information.
Documents you upload are encrypted and used only for your transaction.
You can opt out of marketing email at any time.
Collection of your personal information
To provide our services, Spire Abstract may collect personally identifiable information such as your name, mailing address, email address and phone number. We do not collect personal information unless you voluntarily provide it, for example when you place an order, send us a message or make a payment.
Use of your personal information
We use your information to operate and deliver the services you request, and may use it to tell you about other products or services available from Spire Abstract and its affiliates.
Sharing with third parties
Spire Abstract does not sell, rent or lease its customer lists, and does not share personal information with third parties for marketing. We may share data with trusted partners who help us provide services; they may use it only for that purpose and must keep it confidential. We may disclose information when required by law.
Documents, chat and forms New · needs review
Agreements of sale and other documents uploaded through our order form are transmitted over an encrypted connection, used to prepare your order, and deleted from the intake system once your file is opened. Chat conversations may be stored to answer your question and improve our answers. Forms are protected by Cloudflare Turnstile.
Cookies and analytics New · needs review
We use privacy-friendly analytics that do not track you across sites or sell data to advertisers.
Right to deletion
On receipt of a verifiable request, we will delete your personal information from our records and direct service providers to do the same, subject to exceptions such as completing your transaction, legal obligations and fraud prevention.
Information about minors
Our website is intended for adults, and we do not knowingly collect personal information online from minors. When a minor has an interest in a property, we collect only what the transaction requires, through a parent, guardian or court-appointed representative.
Contact
Questions about this policy: [email protected] · (856) 484-5284.
Home / Security & privacy
Security & privacy
Your money and your information, protected.
A closing involves your identity, your bank details and often the largest payment you'll ever make. Here's how we protect all three, and what you can do to help.
About to send money? Check your wiring instructions with our verification tool and confirm by phone. Spire has one escrow account, and our instructions never change.Verify wire instructions
Our safeguards
How we protect your information.
Layered protections across our people, systems, offices and escrow account. We describe what we do here, not how it's configured, because publishing those details would only help the people we're keeping out.
Communication
- Secure, encrypted email. Our email runs through an enterprise encryption and filtering service, and messages containing personal or financial information are sent encrypted.
- Secure client portal. Documents and messages move through Qualia Connect, not ordinary email. We encourage you to send sensitive documents this way. How it works
- Spam filtering and quarantine. Inbound email is screened, and suspicious messages are held before they reach our team.
Verification
- Wire verification for payoffs and proceeds. Before we send money out, payoff and seller wiring instructions are verified with Qualia Shield and independent bank-account verification tools, not just taken from an email.
- Identity verification. Qualia Shield and Qualia Connect help us confirm that the people on a file are who they say they are.
- One escrow account. Our wiring instructions never change, and you can confirm them any time with our verification tool or by calling Ava, our phone verification assistant, at (856) 484-5284.
Escrow account controls
- Dual authorization on outgoing wires. Two authorized people must approve every wire before it leaves our escrow account.
- Positive pay on checks and ACH. Our bank pays only checks we actually issued, and we approve or reject every ACH debit and credit before it posts.
- Daily three-way reconciliation. The bank balance, our books and every open file's ledger are reconciled every business day.
Access and networks
- Multi-factor sign-in on our email and core systems.
- Need-to-know permissions. Team members can access only the files and systems their role requires.
- Licensed, business-grade firewalls and Wi-Fi at all five offices, with visitor Wi-Fi kept on its own separate network.
- DNS filtering blocks known malicious and look-alike websites.
People and records
- Phishing and security training for our whole team.
- Secure shredding of paper records that contain personal information.
- Regular backups so your file is safe and recoverable.
Insurance and bonding
- Cyber liability insurance.
- Professional liability (errors and omissions) insurance.
- Fidelity and surety bonds.
- General liability insurance.
Our promises
What Spire will never do.
Ask you to send money to a new or different account. Our instructions never change.
Ask for your online banking login, password or security codes, or send you new or changed wiring instructions by email or text.
Pressure you to wire money within minutes without a phone call.
Sell, rent or share your personal information for marketing. See our privacy policy.
For lenders and partners
Security overview for vendor reviews.
A one-page summary of our safeguards and insurance for your vendor management file. We're also happy to answer your security questionnaire.
See something?
Report a concern.
Got a suspicious email, text or call that claims to be from Spire? Don't reply or click. Call us at (856) 484-5284 or forward it to [email protected]. If money was sent, call your bank first.
Our underwriters
Proud agent of Chicago Title Insurance Company and Westcor Land Title Insurance Company.
We partner with secure, modern technology vendors that run their own independent security programs, including Qualia for file management, identity and wire verification and the client portal, CertifID for earnest money deposits and Proof.com for remote online notarization. Learn more at qualia.com/security.
Home / Offices
Our offices
Five convenient closing locations to best serve you.
Every office is a dedicated closing location with the same team behind it: one phone number, one email, one set of wiring instructions. Pick the one closest to you and see exactly where to park and how to get in.
Home / Accessibility
LegalAccessibility statement
We want everyone to be able to use our website and close with confidence.
Spire Abstract is committed to making spireabstract.com accessible to people with disabilities. We design to the Web Content Accessibility Guidelines (WCAG) 2.2, Level AA.
What we've built in
- Text and buttons that meet AA color-contrast requirements
- Full keyboard navigation with visible focus indicators and a skip-to-content link
- Descriptive labels on every form field and image
- Layouts that reflow to 400% zoom and respect reduced-motion settings
- English and Spanish versions of key pages
Need help?
If anything on this site is hard to use, call us at (856) 484-5284 or email [email protected]. We'll help you directly and fix the issue. We can also provide documents in alternative formats and accommodate you at closing.
Last reviewed: set at launch