What is title insurance, and why do I need it?
Title insurance protects buyers and lenders from past ownership claims, unpaid liens, or title defects that could threaten your property rights.
How is title insurance different from homeowners insurance?
Title insurance covers past issues (like hidden claims or fraud) while homeowners insurance protects against future damages (like fires or natural disasters).
What’s the difference between lender’s title insurance and owner’s title insurance?
Lender’s policy (required) protects the mortgage company.
Owner’s policy (optional but recommended) protects your investment.
How much does title insurance cost?
Title insurance is a one-time fee based on your property value. In Texas, rates are regulated by the state, so they’re the same no matter which company you choose.
Do I need title insurance if I’m paying cash?
Yes! Even if you don’t have a lender, an owner’s title policy protects you from hidden legal issues, fraud, and past claims.
General Questions
What is escrow, and how does it work?
Escrow is a neutral third party (like us!) that holds funds, documents, and property transfers safely until all conditions of the sale are met.
How long does the closing process take?
Most closings take 30-45 days, but cash deals and well-prepared transactions can close much faster.
What should I bring to closing?
You’ll need:
✅ A valid photo ID
✅ Proof of insurance
✅ Any requested documents from your lender
✅ Certified funds (if needed)
Can I close remotely?
Yes! We offer remote online notarization (RON) and mobile closings to make the process as convenient as possible.
Who pays for closing costs?
Closing costs are negotiable, but typically:
Buyers pay for lender-related fees and title insurance.
Sellers pay for title searches, owner’s title insurance, and other transaction costs.
Escrow & Closing
What is Right of Way title service?
Right of Way (ROW) title services ensure clear property rights for infrastructure projects, utility easements, and government acquisitions.
How is commercial title insurance different from residential?
Commercial transactions involve larger investments, complex property histories, and multiple stakeholders, requiring in-depth title research and due diligence.
Do I need a title company for a commercial deal?
Yes! Title companies verify ownership, ensure clear property rights, and facilitate smooth closings, preventing costly disputes later.
Right of Way & Commercial Title
How do I know if there’s a lien on my property?
We conduct thorough title searches to uncover any liens, unpaid debts, or ownership disputes before closing.
What happens if a title issue is found?
We work to resolve title defects before closing, which may involve paying off liens, obtaining missing documents, or clearing errors.
What is a title commitment?
A title commitment is a document that outlines any issues with the title and the conditions that must be met before issuing title insurance.
Can someone else claim ownership of my home?
Without title insurance, yes! Issues like fraud, forged signatures, or missing heirs could lead to disputes over ownership.
How do I transfer a title after someone passes away?
You may need to go through probate, file an affidavit of heirship, or use a transfer-on-death deed—we can help guide you.
Property Ownership & Title Issues
What is a 1031 exchange?
A 1031 exchange lets investors defer capital gains taxes by swapping one investment property for another.
What is an Alta policy?
An ALTA policy is a more detailed form of title insurance, often required for commercial transactions and high-value properties.
Can I switch title companies before closing?
Yes! If you’re not satisfied, you have the right to choose your title company—even if a contract suggests otherwise.
