{"id":3737,"date":"2024-02-07T02:14:59","date_gmt":"2024-02-07T07:14:59","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=3737"},"modified":"2024-04-25T23:16:59","modified_gmt":"2024-04-26T03:16:59","slug":"behind-the-scenes-of-a-home-purchase-whats-your-title-company-doing","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/behind-the-scenes-of-a-home-purchase-whats-your-title-company-doing\/","title":{"rendered":"Behind the Scenes of a Home Purchase: What\u2019s Your Title Company Doing?"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"391\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/02\/behind-the-scenes-of-a-home-purchase-1024x391.jpg\" alt=\"\" class=\"wp-image-3738\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/02\/behind-the-scenes-of-a-home-purchase-1024x391.jpg 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/02\/behind-the-scenes-of-a-home-purchase-300x115.jpg 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/02\/behind-the-scenes-of-a-home-purchase-768x293.jpg 768w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/02\/behind-the-scenes-of-a-home-purchase.jpg 1432w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>You joyfully pick up the keys on <a href=\"https:\/\/www.deeds.com\/articles\/closing-on-a-home-fast\/\">closing day<\/a>, and leave the office triumphant, a thick folder from the title company under your arm.<\/p>\n\n\n\n<p>The title company played a starring role in your day. At least it did if a mortgage is involved! Cash buyers need not hire experts to run a search on the home title, because there\u2019s no lender to protect. But even where buyers pay cash, most people don\u2019t have the time to handle their own title searches.<\/p>\n\n\n\n<p>Thus, most purchases typically involve title companies. A title company provides security and confidence. No new homeowner wants to worry about potential issues or discrepancies in the property&#8217;s ownership history. &nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">All in a Day\u2019s Work<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"305\" height=\"458\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/02\/all-in-a-days-work.jpg\" alt=\"\" class=\"wp-image-3739\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/02\/all-in-a-days-work.jpg 305w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/02\/all-in-a-days-work-200x300.jpg 200w\" sizes=\"auto, (max-width: 305px) 100vw, 305px\" \/><\/figure>\n\n\n\n<p>A title company\u2019s tasks include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Performing a title search. A title professional will review the <em>chain of title \u2014<\/em> the history of the property\u2019s ownership.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Checking title activity for possible liens, or other claims to be resolved. Do&nbsp; any other parties have ownership claims? Do unpaid debts exist? What about mortgages, or lines of credit that weren\u2019t closed? Any judgments against the previous owner still secured by the home? Is the seller up-to-date on property taxes?<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Setting up and facilitating the closing day. The settlement agent, often a person from the title company, brings the loan and disclosure documents to the table, and explains them all, one by one, to the buyer.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Holding the buyer\u2019s earnest money. The title company holds the funds in an escrow account until it&#8217;s time to pay the seller.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Preparing the title in the buyer\u2019s name, and preparing the deed to transfer the title.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ensuring the notarizing, recording, and mailing of deed and mortgage documents.<\/li>\n<\/ul>\n\n\n\n<p>The title company works with the real estate agents, the lender, and the county recorder of deeds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Clear to Close<\/h2>\n\n\n\n<p>The core of the title company\u2019s work involves the title search. An agent goes through various records for potential defects in the chain of title, so that these can be resolved.<\/p>\n\n\n\n<p>The title clearing work must be done before the lender and buyer have a green light to close on the mortgage.<\/p>\n\n\n\n<p>Do title companies ever miss defects? Occasionally, they do.<\/p>\n\n\n\n<p>Public records have been paper-based for generations, and they\u2019re not always perfect. In the histories of some homes, deeds could have been signed by the wrong person, errors could have seeped into the property description, or expectant relatives could have been overlooked by an estate. &nbsp;<\/p>\n\n\n\n<pre class=\"wp-block-preformatted\"><em><strong>Having a title search done isn\u2019t the same as ordering a survey. In case of boundary questions, a buyer or lender should <\/strong><\/em><a href=\"https:\/\/www.deeds.com\/articles\/the-property-survey-do-you-need-one\/\"><strong><em>ask for a property survey<\/em><\/strong><\/a><em><strong>. <\/strong><\/em><\/pre>\n\n\n\n<p>Now, what happens if the buyer was cleared to close, and a title defect was missed?<\/p>\n\n\n\n<p>That brings us to the matter of title insurance. Sometimes, it turns out that a past owner\u2019s paperwork was wrong, or simple typographical errors were never corrected. Missed details can become issues years after closing. The policy exists to protect the asset\u2019s value and ensure the buyer&#8217;s ownership remains free and clear of issues.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Peace of Mind<\/h2>\n\n\n\n<p>Signed an agreement with the seller? Time to get the title insurance. Your lender will typically suggest a title company that\u2019s active and reputable in the area where you are buying.<\/p>\n\n\n\n<p>There\u2019s a one-and-done premium to pay for the policy, based on the value being protected. That single premium payment covers the title for as long as the owner holds the home. Or it may cover the lender\u2019s interest in the property for so long as that specific mortgage is in place. &nbsp;<\/p>\n\n\n\n<p>Yes, there are two parties who may need the peace of mind offered by title insurance. There are insurance products for lenders (lender\u2019s title policy), and for home buyers (owner\u2019s title policy).<\/p>\n\n\n\n<p>Under state law, a buyer needs to cover the lender\u2019s title risks. The cost is usually less than 1% of your agreed-upon purchase price. The premium gets folded into your closing costs.<\/p>\n\n\n\n<p>Getting an <em>owner\u2019s title policy<\/em> is optional. But if a lender is getting coverage anyway, then additional coverage naming the owner as beneficiary shouldn\u2019t be very expensive. &nbsp;&nbsp;<\/p>\n\n\n\n<pre class=\"wp-block-preformatted\"><em><strong>The lenders get theirs. As the buyer, should you <\/strong><\/em><a href=\"https:\/\/www.deeds.com\/articles\/buying-a-home-should-you-pick-your-own-title-insurance-policy\/\"><strong><em>get your own title insurance policy<\/em><\/strong><\/a><em><strong>?<\/strong><\/em><\/pre>\n\n\n\n<p>What protection does title insurance really give? Assurance that the company stands by its findings: that no one but the homeowner has a legal right to any interest in the home. What if that turns out to be erroneous? Then, the policy will pay for any defects that are covered by the insurance.<\/p>\n\n\n\n<p>Of course, a title policy won\u2019t protect your title from debts and judgments that your own activities after closing bring about! The basic point of title insurance is to cover the cost of fixing unknown defects that crept into the title in the past.<\/p>\n\n\n\n<p>Just note that protecting a lender does nothing to protect<em> you<\/em>. The lender wants the title company to solve issues that could arise for their loan collateral. As the loan on your home shrinks every month, so does the lender\u2019s coverage for the title. Paying off your mortgage? That\u2019s the end of the lender\u2019s title policy. This is why buyers might want to seriously consider getting their own coverage for a few hundred bucks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Shopping Around?<\/h2>\n\n\n\n<p>Mortgage consultants and real estate agents will typically recommend a specific title company that can insure your new title. Alternatively, as a consumer, you may do your own comparison shopping.<\/p>\n\n\n\n<p>Some buyers opt to shop around to save money on title services \u2014 and the Consumer Financial Protection Bureau points out that shopping for coverage is a buyer\u2019s prerogative. Here are the <a href=\"https:\/\/www.consumerfinance.gov\/owning-a-home\/loan-estimate\/\" target=\"_blank\" rel=\"noreferrer noopener\">services connected with your mortgage<\/a> that you are free to select for yourself. Even if you go with the recommended services, it\u2019s good to know how companies get chosen, and what options you do have. It\u2019s also a great idea to communicate ahead of time to gauge how informative and responsive the company\u2019s representatives are.<\/p>\n\n\n\n<pre class=\"wp-block-preformatted\"><em><strong>Deciding on an owner\u2019s title policy? There\u2019s more than one level of coverage. An <a href=\"https:\/\/www.deeds.com\/articles\/home-buyers-cover-your-assets-choosing-between-standard-and-extended-title-insurance\/\">extended title policy<\/a> covers more than the standard policy does.<\/strong><\/em><\/pre>\n\n\n\n<p>And what closing methods does the company provide? Does it offer <a href=\"https:\/\/www.deeds.com\/articles\/maine-legalized-remote-online-notaries-are-we-one-step-closer-to-fully-digital-mortgages\/\">remote online notarization<\/a>? Does it have mobile notaries? Or will they work with the parties locally, at the agent\u2019s office or their office?<\/p>\n\n\n\n<p>So, price isn\u2019t the only factor to consider. For a policy that helps guard the value of your ownership, the company\u2019s responsiveness matters. So does its track record. An owner\u2019s title policy even protects your heirs\u2019 interest in the property.<\/p>\n\n\n\n<p>Knowing who does what on closing day makes buyers better prepared for the future. We\u2019re glad to offer some points to ponder as you get ready for that all-important day.<\/p>\n\n\n\n<p><strong>Supporting References<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\">Ben Luthi for Ask Experian<sup>TM<\/sup>, via <em>Experian.com<\/em>: <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-does-title-company-do\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Does a Title Company Do<\/a>? (Jan. 4, 2024).<\/p>\n\n\n\n<p class=\"has-small-font-size\">Associates Land Transfer Co., LLC (Pennsylvania Title Insurance Company) via <em>ALTTitle.com<\/em>: <a href=\"https:\/\/alttitle.com\/pennsylvania-title-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Is Pennsylvania Title Insurance<\/a>?<\/p>\n\n\n\n<p class=\"has-small-font-size\">Forbes Advisor Amy Fontinelle, <em>Forbes.com<\/em>: <a href=\"https:\/\/www.forbes.com\/advisor\/mortgages\/title-company\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Does A Title Company Do<\/a>? (Dec. 7, 2023). Reposted Dec. 8, 2023) on the website of the New York State Land Title Association, Inc. via <em>NYSLTA.org<\/em>: <a href=\"https:\/\/www.nyslta.org\/blogpost\/1230749\/496310\/What-Does-A-Title-Company-Do\" target=\"_blank\" rel=\"noreferrer noopener\">What Does a Title Company Do<\/a>?<\/p>\n\n\n\n<p class=\"has-small-font-size\">And as linked.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-small-font-size\"><strong>More on topics: <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/frequently-asked-title-research-questions\/\">Title search FAQ<\/a><strong>, <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/an-opinion-of-title-what-home-buyers-should-know\/\">Opinion of title<\/a><\/h3>\n\n\n\n<p class=\"has-small-font-size\">Photo credits: <a href=\"https:\/\/www.pexels.com\/photo\/man-with-headphones-facing-computer-monitor-845451\/\" target=\"_blank\" rel=\"noreferrer noopener\">Andrea Piacquadio<\/a> and <a href=\"https:\/\/www.pexels.com\/photo\/women-using-laptop-3277806\/\" target=\"_blank\" rel=\"noreferrer noopener\">Canva Studio<\/a>, via Pexels\/Canva.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You joyfully pick up the keys on closing day, and leave the office triumphant, a thick folder from the title company under your arm. The title company played a starring role in your day. At least it did if a mortgage is involved! Cash buyers need not hire experts to run a search on the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3738,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[105,82,94],"tags":[1011,760,1012,1009,1013,483,179,1010,720,252],"class_list":["post-3737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-title","category-title-insurance","category-title-search","tag-closing-day","tag-deed-transfer","tag-escrow-account","tag-home-purchase","tag-mortgage-protection","tag-property-ownership","tag-real-estate","tag-title-company","tag-title-insurance","tag-title-search"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Behind the Scenes of a Home Purchase: What\u2019s Your Title Company Doing? - Deeds.com<\/title>\n<meta name=\"description\" content=\"Explore the crucial role of title companies in securing your home purchase. 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