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Assured buyer representation

Buying without a lender? We've got you.

You're buying without a lender. Who's looking out for you? When a lender is involved, they require an appraisal, a title search, insurance, and legal review, and those protections indirectly cover you too. With no lender, no one is required to confirm the abstract is clean before you wire money, unless you bring your own attorney. Assured Buyer Representation is attorney-led closing support for cash purchases, investor deals, installment contracts, and commercial transactions across Iowa, so you don't have to trust, you can verify.

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{IC_SHIELD}Title opinion on every closing{IC_KEY}Attorney and settlement agent, one team{IC_TAG}Flat fee, quoted up front{IC_PIN}Iowa is all we do

Who it's for

Buying without a lender looks different for everyone.

No two no-lender purchases carry the same risk. Here's how Assured Buyer Representation fits each one.

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Cash buyers

Closing fast is the whole point, but speed shouldn't mean skipping the check. We confirm title and secure the closing before your wire ever goes out.

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Investors

Multiple properties, tight timelines, and no room for a legal misstep. You get consistent representation across every deal, not a fresh learning curve each time.

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Installment-contract buyers

Buying on a contract for deed is one of the riskiest ways to buy without representation. An undisclosed lien could put everything you've paid at risk. We check before you sign.

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Commercial buyers

Multi-party coordination, complex terms, entity structures, and environmental considerations. We keep the legal details aligned so the deal moves the way it should.

What's included

One team, from contract to closing.

No handoffs between your attorney and your closing team, because they're the same team.

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Attorney title exam & written title opinion.We examine the abstract and issue a written title opinion identifying every defect, lien, and encumbrance, with plain-English explanations and video walkthroughs.
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Secure ClosingLock portal.Every closing runs through ClosingLock, an encrypted platform for identity verification, secure wire instructions, and payments. Identities are verified before funds move, wire instructions never travel as an email attachment, and you're protected from wire fraud with up to $2.5M in insurance coverage.
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Your attorney and your settlement agent, one team.Danilson Law serves as both, handling the title exam, closing documents, and fund collection and distribution under one roof. No handoffs, and the protections of an attorney trust account.
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Seller typically responsible for curing objections.Under the standard Iowa purchase agreement, resolving a title objection ordinarily falls to the seller rather than to you. We confirm how your specific agreement allocates it.
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Trusted CPA consultation.A consultation with Performance Financial in Johnston, Iowa is included as part of the engagement, so the tax side of your purchase gets the same attention as the legal side.
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Lifetime title support.Your title opinion and your file stay archived with us. For as long as you own the property, any title question that comes up gets answered by the firm that examined your title, at no charge: a refinance, a fence line or easement, a lien notice, your eventual sale. If a question turns into new legal work, we quote a flat fee before we start.

How it works

Three steps, start to finish.

A predictable process built for transactions that move fast.

Strategy call & engagement letter

We talk through your purchase on a free strategy call, quote your flat fee up front, and send your engagement letter so work starts right away.

Title exam & closing prep

We examine the abstract, issue the title opinion with video walkthroughs, prepare the closing documents, and coordinate as your settlement agent, with prompt updates as things move.

A secure, verified closing

Identities are verified through ClosingLock, wire instructions travel through an encrypted channel, and you sign by remote online notarization or in person, from wherever you are, no travel required. Your CPA consultation gets scheduled, and your lifetime title support begins: any title question about this property, answered at no charge, for as long as you own it.

Compare the tiers

What each level of buyer support includes.

Assured is our most complete level of buyer representation, with VIP Response Time where your questions jump to the front of the line. All packages support buyers working with a real estate agent or transacting independently. Can't decide? The great team at Danilson Law is here to help!

Included	Assured	Guided	Essentials
Response time	VIP Response Time - same business day (messages by noon), otherwise by 10 AM next business day	Priority replies - Guaranteed 1 business-day responses	Calm, 2-business-day responses
Live Transaction Tracker	Included	Included	Not included
Title exam & written title opinion	Included	Included	Included
Title objection video walkthrough	Included	Included	Not included
Title objection resolution	Typically the seller's responsibility to cure under the purchase agreement; we hold them to it.	Typically the seller's responsibility to cure under the purchase agreement; we hold them to it.	Typically the seller's responsibility to cure under the purchase agreement; we hold them to it.
Settlement agent services	Included	Included	Included
ClosingLock secure closing portal	Included	Included	Included
Remote online notarization	Included	Included	Not included
CPA tax consultation	Included	Included	Not included
Lifetime title support	Included. Title questions on this property answered at no charge, for as long as you own it.	Not included	Not included

Buyer questions

Questions buyers often ask.

Arguably more than financed buyers. When a lender is involved, its own requirements (an appraisal, a title search, insurance, legal review) indirectly protect you too. Paying cash removes that safety net entirely. Nobody is required to confirm the abstract is clean before your money moves unless you bring in your own attorney.

Iowa is an abstract state, so ownership history is documented through a continuously updated abstract rather than title insurance alone. A title opinion is a written legal analysis an attorney prepares after examining that abstract, identifying any defects, liens, or encumbrances. Iowa Title Guaranty is also available as a state-sponsored alternative to private title insurance, and we can walk you through how it fits your purchase.

We explain any objection in plain English, with a video walkthrough where helpful. Under the standard purchase agreement, resolving it is typically the seller's responsibility rather than yours, and we confirm how your agreement handles it. You'll know about any issue before closing, not after.

Your title opinion describes the title as of your closing. It can't predict what's filed afterward, and it isn't insurance (Iowa Title Guaranty is the coverage product). What we promise is simpler: we keep your file, and for as long as you own the property, we answer any title question about it at no charge. If a question requires new legal work, like clearing a lien that attaches later, we quote it up front.

One team handles the title exam, prepares the closing documents, and collects and distributes funds, instead of passing your file between separate offices. That means fewer handoffs and the added protections of an attorney trust account.

Buying on a contract for deed is one of the riskiest ways to buy without representation, since an undisclosed lien could put everything you've paid into the property at risk. We examine title up front so you know exactly what you're buying into.

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