Frequently Asked Questions

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What is "Title," and how is it different from a Deed?

Think of the Deed as the physical paper—the “receipt” for the house. Title is a legal concept representing your right to own and use the property. When we “clear title,” we are making sure no one else (like a long-lost heir or a tax collector) can claim they own your home.

What is Title Insurance?

Most insurance protects you from future events (like a fire). Title insurance protects you from past events. Title insurance covers financial losses and legal expenses arising from defects in a property title that existed before you purchased the home, but were unknown at the time of closing. It protects against hidden issues like forged documents, undisclosed heirs, unpaid liens, errors in the public records and boundary disputes. Unlike other insurance, it is a one-time fee focusing on risk prevention.
There are two types of title insurance, lender’s title insurance and owner’s title insurance.
Lender’s title insurance is required if you are getting a mortgage and protects the lenders investment.

Owner’s title insurance protects your property rights and equity. Unlike lender’s insurance, this one-time fee protects your investment for as long as you own the home, covering legal fees and financial losses if a third party challenges your ownership.

For an additional cost, an Enhanced Owner’s Title Insurance covers all past title defects that occurred before you purchased the property plus specific future risks that emerge after closing including :

Post-Policy Forgery
Encroachment Disputes
Building Permit Violations
Zoning Violations

Standard Owner’s Title Insurance vs Enhanced Owner’s Title Insurance

What is a "Title Defect" or a "Cloud"?

These are issues that prevent a clear transfer of ownership. Common examples include unpaid property taxes, contractor liens (mechanic’s liens), zoning violations, or conflicting wills. Our job is to find and fix these before you sign.

Costs and Timeline

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How much does Title Insurance cost?

Unlike other insurance, you only pay a one-time premium at closing. The cost is typically based on the purchase price of the home and varies by state. It protects you for as long as you or your heirs own the property.

How long does the title process take?

A standard title search usually takes 3 to 7 business days. However, the “closing” process depends on your lender and the complexity of the property’s history. Total time from contract to keys is typically 30–45 days.

Who chooses the title company?

In most cases, the buyer has the legal right to choose. However, local customs vary—in some areas, the seller may choose if they are paying for the policy. You are never required to use the company your lender or agent suggests.

What information is needed from Buyers and Sellers to get started?

We will need:

Contact info including cell phone number and an email address
Marital status
For buyers – Mortgage lenders contact info
For sellers – current mortgage account # to order payoff

Closing Day

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What should I bring to my closing appointment?

A valid, government-issued photo ID (Driver’s License or Passport).
Certified funds or confirmation of a wire transfer (depending on the amount of funds required for closing)
Any outstanding documents requested by your lender.

Can I close remotely?

Yes! We offer Remote Online Notarization (RON) and mobile notary services. You can sign your documents via a secure video call from your home or office, depending on your lender’s requirements and state laws.

Security

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How do you protect me from Wire Fraud?

Wire fraud is a major threat in real estate. We will never send you wire instructions via a standard email. Always call our office using a trusted phone number to verify any payment instructions before sending funds.

Protect Your Money from Wire Fraud Schemes When Buying a Home

Still have questions? Please call office to speak with a member of our team.

Frequently Asked Questions