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FAQ’s

FAQ’s

Why do you need title insurance?
Title insurance is a means to protecting yourself from financial loss in the event that claims occur with regards to your rights of ownership. There may be hidden title defects that are not found during the search process. Title insurance protects you against some of these hidden risks.
How much does title insurance cost in Florida?
Title insurance is a one-time premium based on the sales price of your home. The price of title insurance is regulated by the state. Contact us to get a free no-obligation quote!
What is re-issue credit?
When you are refinancing your home you may be eligible to receive a credit on the title insurance premium. You can provide a copy of your Owner’s Title Policy from when you purchased the home, and your title agent will be able to determine if you qualify for a discount.
I can not find my Owner’s Title Policy, what can I do?
Once you have closed on your new home you will receive in the mail an original Owner’s Title Policy from your title company. You can either contact the title company that performed your closing or you can contact the insurance company directly. Their name is located at the top of your policy
What items are needed at closing?
You will want to contact the title company you are closing with. They may have additional requirements based on your transaction. (Varies state to state)

Buyer

  • ALL FUNDS FOR CLOSING MUST BE WIRED TO THE TITLE COMPANY
  • Proof of Homeowners insurance
  • Photo identification (FHA loans require two forms of ID)

Seller

  • Photo identification (passport, driver’s license, state-issued ID card)
  • Any unrecorded instruments that affect the title
Can I write a personal check for funds needed at closing?
NO, ALL CLOSING FUNDS MUST BE WIRED DIRECTLY TO THE TITLE COMPANY PRIOR TO CLOSING. CASHIER CHECKS ARE NOT ACCEPTED.
My spouse is going to be out of town, can a title company prepare a power of attorney?
You will need to check directly with the company you are working with. Most title companies will prepare a specific power of attorney that can be used only for the transaction they are working on with you.

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