FAQ

A title search is a thorough examination of public records related to a property to confirm its legal ownership history. It is necessary to uncover any “clouds” on the title or defects, such as unpaid mortgages, judgments, back taxes, or ownership disputes. By identifying these issues beforehand, we can ensure you receive a property with a clear, transferable title, protecting your investment.

The owner’s policy protects the buyer’s investment in the property, covering up to the purchase price should title issues arise in the future, such as recording errors or forged documents. The lender’s policy, which is required by most financial institutions, protects the lender up to the amount of their mortgage. Both policies offer crucial protection but cover the interests of different parties in the transaction.

Our escrow services act as a neutral third party in a real estate transaction. We protect the funds and documents of all parties involved until all conditions of the purchase agreement are met. This includes holding the earnest money deposit, loan funds, and other payments until the title transfer is complete. By ensuring all requirements are fulfilled before releasing funds, escrow protects both the buyer and seller from potential fraud or non-compliance.

While the list can vary by transaction, common documents include: the Closing Disclosure, the HUD-1 Settlement Statement (if applicable), the Deed that transfers the property, the Mortgage and Promissory Note (if using financing), and various tax and HOA forms. Our team will guide you through each document to ensure you understand what you are signing.

Yes, we offer both remote and mobile closing services for our clients’ convenience. Through a Remote Online Notarization (RON) closing, you can sign documents from anywhere with an internet connection. We can also send a notary to your preferred location within our service area to complete the signing.

Absolutely. We understand the unique needs of investors. We offer quick closings for off-market properties, facilitate double closings, and assist with title structuring for different investment entities. Our team is experienced in handling the complex transactions often found in the investment market.

Yes, we can work closely with your qualified intermediary to coordinate a 1031 exchange. We handle the funds from the sale of your property in accordance with strict IRS regulations and ensure the funds are securely transferred to the escrow account for the replacement property purchase, helping you defer capital gains.

Yes, our team has extensive experience in handling non-standard transactions. Short sales and REO properties (“Real Estate Owned”) require careful communication with banks, specific document preparation, and meticulous attention to detail. We are prepared to manage the process from start to finish, ensuring a smooth closing.

A title search can take anywhere from 1-3 business days, but the entire closing process usually takes 30-45 days, depending on whether the property has financing. For cash transactions, the closing can be much faster, often within 1-2 weeks once the title search is complete and all documents are reviewed.

The cost of our services is based on a combination of factors, including the property’s sale price, the complexity of the transaction, and the cost of the title insurance premium. The title insurance premium is regulated by the state of Florida. We will provide you with a detailed Closing Disclosure with a full breakdown of all costs, so there are no surprises at closing.