To receive these added protections at a lower price, Liberty Title must issue both the owner’s policy and the lender’s policy. By participating in Liberty Title’s Better Policy-Better Price program, a split closing is avoided. This unified closing through Liberty Title reduces the risk of cybercrime and wire fraud as only one title agency will be overseeing the money and the personal information of the buyer and seller.  When Liberty Title conducts a unified closing (no split), the process is streamlined and more cost effective, and we pass those savings onto the consumer via a closing fee credit. Benefits to not having a split closing.