Keystone Real Estate Settlement Services, Inc. is a Pennsylvania licensed, fully insured, independently owned and operated real estate closing title company. With a combined 39 years of experience in the real estate and title industry, Tracy and Heather strive to make the closing process a smooth, stress free experience. Whether you are buying, selling or refinancing, you can rely on Keystone Real Estate Settlement Services to provide efficient and knowledgeable service even after everyone leaves the closing table.

Tracy and Heather are proud supporters of local businesses and the community. Together, they make the perfect team and will strive to exceed your expectations!

Tracy A. White

Owner • Licensed Title Agent • Notary

Tracy is the co-founder of the Keystone Real Estate Settlement Services and has worked in the field of real estate closings and titles since 1995. She has an eye for detail and a direct approach that make her an invaluable partner for Keystone. She is the “behind the scenes” backbone of Keystone with a strong background in title searching, accounting, document preparation and all aspects of office management. Tracy is dedicated to the field and strives to further educate herself and advance her company. She was born and raised in the Chambersburg area where she continues to live with her family.

Heather E. Miller

Owner • Licensed Title Agent • Notary

Heather co-founded Keystone Real Estate Settlement Services in 2012 along with her long-time friend and co-owner, Tracy White. Heather began her career in the real estate closing and title industry in 1999 while still attending high school. She has an extensive title searching background, excellent communication skills, and has an all-around approachable personality which makes her an outstanding closing agent. Through her constant patience and persistence, Heather is rarely faced with a problem she can’t resolve. Heather lives in Chambersburg with her husband and three children.