Common Questions, Clear Answers

A title company searches public records to verify property ownership, identifies any liens or claims against the property, and issues title insurance to protect buyers and lenders. We also coordinate closings, prepare documents, and ensure funds are properly distributed. Think of us as the neutral party making sure everything is legitimate and everyone is protected.

It depends on the location. In Pennsylvania, Central New Jersey, and South Florida, the buyer typically chooses the title company. In North Jersey, North Florida, and most other locations, the seller usually selects the title company. Every transaction can be different, so if you're unsure who has the choice in your deal, I'm happy to advise – just reach out.

Title insurance protects against hidden problems with the property's title that weren't discovered during the title search. This could include unknown heirs, forged documents, recording errors, or liens that weren't properly disclosed. Unlike other insurance that protects against future events, title insurance protects against past events that could affect your ownership. It's a one-time premium that protects you for as long as you own the property.

Lender's title insurance protects the mortgage company's interest in the property – it's typically required when you get a loan. Owner's title insurance protects your investment in the home. While lender's insurance only covers the loan amount (which decreases over time), owner's insurance covers your full purchase price and lasts as long as you or your heirs own the property.

The sooner, the better! Ideally, title should be ordered as soon as the sales agreement is signed. This gives us time to complete the search, identify any issues, and resolve them before closing. Rushing the title process can lead to delays or missed problems. I recommend ordering title within 24-48 hours of a signed agreement.

Don't panic – issues are common and usually solvable. Common problems include liens from unpaid taxes or contractors, boundary disputes, or errors in public records. When I find an issue, I work with all parties to resolve it. Sometimes it's a simple paperwork fix; other times it requires negotiation. My job is to identify problems early and solve them so they don't delay your closing.

Timing depends on the transaction type. For a residential purchase, expect 5-7 days. Commercial properties typically take 2 weeks or longer due to additional complexity. Residential refinances are usually completed in 3-5 days. Rush orders are handled on a case-by-case basis – if you have a tight timeline, let me know and I'll do everything I can to accommodate.

Bring a valid government-issued photo ID (driver's license or passport), any documents your lender has requested, and a cashier's check or wire transfer confirmation for your closing costs if required. I'll provide a detailed closing disclosure beforehand so you know exactly what funds are needed. If you're unsure about anything, just ask – I'm happy to walk you through it.

Yes! I handle both residential and commercial title work. Commercial transactions often involve additional complexity – entity verification, zoning reviews, survey matters, and larger transaction amounts. My experience with both types of deals means I understand the unique requirements of commercial closings and can guide you through the process.

I serve clients in Pennsylvania, New Jersey, Florida, and New York. In PA, I cover Philadelphia and surrounding counties including Montgomery, Delaware, Bucks, and Chester. In New Jersey, I handle transactions throughout the state. I also serve clients in Florida and New York. If you have a property in any of these states, I'd be happy to help.