How to Find a Florida Title Company Near You
When buying or refinancing a piece of property, it is highly recommended that you find a title company near you that you trust and which has a solid knowledge of Florida home title law. Whether you are involved in residential or commercial real estate, you will need a title company to ensure a smooth transaction process, as well as to defend your title should anybody question it. Title insurance provides a guarantee of ownership to you of your property, which can prevent any future fraudulent claims to the property or potential insurance scams.
The first thing a dedicated title company will do is thorough research on the property of interest: who has owned it before? Have any previous owners committed fraud? Is the paperwork completely legitimate? These are questions only a well-regarded title company will be able to answer, and are the first steps toward a successful, smooth transfer of title ownership. Even if no problems are picked up during this stage there is no fool-proof guarantee as to the future of your property: sometimes, legal issues or fraudulent practices are not in the records and are almost impossible to gather information on. This is why you need title insurance from an experienced title agent backed by a financially secure national underwriter. A title company will be ready to defend your right to ownership in court should any problems occur, even long after the clearing of the title of ownership.
What exactly is title insurance?
Basically, there are two types of title insurance that you need to know about: owner’s title insurance and lender’s title insurance. Owner’s title insurance will cover, usually for the amount of money which was paid for the property, the owners’ right to the property until they die or sell. Lender’s title insurance, on the other hand, will protect the lender for the original amount of the loan against any claims. These are two very different services, and so it is imperative to speak to a trusted title advisor to help find the right service for you. Once you are certain about which kind of coverage you will need, it is time to find a local title company.
Which title company do I choose?
Choosing a title insurance company nearest you will provide several benefits: the office will be convenient and easily reachable; the company will be familiar with the area, its residents and the nature of the properties available; and a local title company will be most familiar with the procedures and laws applicable to your situation. Buying a home or new property can be one of the most difficult purchases for the uninitiated to make, but having a trustworthy title company will ease the stress.
What can I expect from my title company?
Few title companies in Florida will offer the same combination of legal expertise and real estate experience as Florida Home Title Company. If you live in the Palm Beach, Broward or Miami-Dade areas give Florida Home Title Company a call! If you live elsewhere in Florida, it is recommended to locate a title company near to you for the sake of comfort and convenience. Your title company should sort out all of the legal issues involved in transferring property ownership, and help with the transaction. Furthermore, your title company should be prepared to support you in court should your title come under dispute.