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It depends on the county. In most Florida counties, the seller pays for the owner's title insurance policy. However, in counties like Miami-Dade, Broward, Collier, and Sarasota, the buyer typically pays. The party responsible is usually defined in the sales contract, and it’s always negotiable.
Title insurance protects your ownership rights by covering legal fees or losses from issues like unknown liens, prior claims, or recording errors. It gives peace of mind that you’re receiving clear and marketable title to your property.
On average, a title search takes 24 to 72 hours depending on the county and complexity. Rush processing may be available for time-sensitive transactions, such as cash deals or fast closings.
Yes, especially if you're paying for the title insurance. In most cases, the party paying for the owner’s title policy selects the title company. If it’s the seller, they usually choose. Buyers should always review their rights in the sales agreement.
Yes! We offer Remote Online Notarization (RON) and mobile closings anywhere in Florida. Whether you’re out of town or need a notary to come to you, we make the process fast, secure, and convenient.
A title commitment is a preliminary report issued before closing that outlines the conditions under which a title company will issue a policy. It includes ownership information, liens, and other findings that must be resolved before issuing insurance.
Lender’s title insurance protects the mortgage lender’s interest in the property, while owner’s title insurance protects your ownership rights. Lender’s coverage is required for most financed purchases, but owner’s coverage is optional (though highly recommended).
On closing day, all documents are signed, funds are exchanged, and ownership is legally transferred. The title company handles the paperwork, records the deed, and ensures all conditions are met before disbursing funds to the appropriate parties.
Title fees in Florida are based on the property’s sale price. There’s a promulgated rate for title insurance and additional costs like search fees, endorsements, and recording charges. We’ll provide a detailed quote up front so there are no surprises.
We use secure portals, encrypted email, multi-step identity verification, and phone confirmation protocols to prevent wire fraud. Clients should always confirm wiring instructions by phone and never rely solely on email for financial details.