All About Title Companies: What they do and why you should use one!

I realize that not everyone may understand what a title company does and why you should use one if you’re buyer or selling a home. Here’s a rundown of what you need to know!

What is a title company?

A title company is a neutral third party that has both attorneys and escrow officers that coordinate sales transactions and ensures that buyers/sellers have or will have rightful ownership of a property. They ensure that the contract is being followed along with all applicable state and federal laws when it comes to transferring ownership of a property.

What is title insurance?

Title insurance is an insurance policy that ensures that the person selling a property has the power to do so and also ensures that the buyer is getting “clear” title. They check for any liens on the property, property surveys and boundaries to make sure that ownership of a property is transferring correctly. In the event that there is a “cloud” (something negative or preventing the transfer of ownership) on title, they will work with the Seller and their agent to ensure it’s cleared so that they can issue a title policy. Most lenders require a Lender Policy and there’s also an owner’s policy. For more information be sure to reach out to Roxana via email at

Whether you’re buying or selling it’s important to conduct the transaction using a title company. Yes, there are some fees associated with it, but it ensures that all parts of a transaction are smooth and in harmony with both the contract involved and the laws.