Why Choose Us
We provide efficient, reliable closings with a personal touch—driven by deep local expertise and consistent communication from start to finish
Our Services
Our services are designed to safeguard your property investments and ensure a smooth, secure closing every time
Title Insurance
Our title insurance protects homeowners and lenders against potential title defects or legal claims after closing.
Title Search & Examination
We conduct a thorough title search and resolve any issues, ensuring a clear title and a smooth, stress-free closing.
Escrow & Closing
Our secure escrow services protect funds and documents until all transaction conditions are fully met.
Document Preparation
We prepare and review all necessary documents to ensure accuracy and compliance with Florida real estate law.
Closing Coordination
We manage every step of the closing process, keeping all parties aligned for a seamless experience from start to finish.
Flexible Mobile Closings
Sign wherever and whenever it works for you—our mobile closings bring convenience right to your door.
For Sale By Owner (FSBO) Services
We support FSBO sellers with contract prep, title work, and closing coordination to ensure a professional transaction.
Refinance Closings
We handle refinance closings with speed and precision, delivering full title and settlement services you can rely on.
1031 Exchange Facilitation
We help coordinate 1031 tax-deferred exchanges, guiding investors through compliant property transactions.
Builder & Developer Support
We manage large-volume residential and commercial development closings with dedicated coordination and bulk service options.
Commercial Transactions
Our experienced team manages complex commercial deals with accuracy, insight, and hands-on attention to detail.
Owner & Encumbrance (O&E) Reports
We provide fast, accurate O&E reports for real estate professionals needing preliminary title insights before listing or lending.
Lien & Judgment Searches
We perform specialized searches to identify outstanding liens, judgments, or legal issues tied to a property.
HOA Estoppel & Payoff Coordination
We obtain necessary estoppel certificates and manage payoffs for HOAs, mortgages, and other lienholders.
Protecting What Matters Most
Your transaction is more than paperwork — it's a major life moment. At First Title Source, we take your security to heart with layered protections and a promise to guard every detail with care.
Verified Wire Instructions
Before any funds move, we personally confirm all wire instructions. We never rely solely on email — your peace of mind comes first.
Secure Communication
From document transfers to identity verification, we use secure platforms that encrypt every piece of data from start to finish.
Trusted eClosings
Whether in-person or remote, every closing we handle includes identity safeguards and secure access to sensitive information.
Dependability You Can Count On
Service You Can Trust
Statewide
Closing Services
20,000+
Clients Served
5-Star
Rated Service
Same Day
Mobile Signings Available
“First Title Source made my closing experience incredibly smooth and stress-free. I felt supported every step of the way.”
— Jennifer, Home Buyer, Tampa, FL
Your peace of mind. Our priority in every closing.
We provide seamless residential and commercial closings
Closing Questions
Common questions from buyers and sellers
For Buyers
Who pays for title insurance in Florida?
In Florida, who pays for title insurance depends largely on the county and, in some cases, the terms of the contract. Here’s a detailed breakdown for buyers:
Title Insurance Basics
- What is title insurance? It protects the buyer and lender from financial loss due to issues like liens, ownership disputes, or recording errors.
- Two main types:
- Owner’s Title Insurance – protects the buyer.
- Lender’s Title Insurance – protects the lender; usually required if you're financing.
County-by-County: Who Customarily Pays?
- Most Counties (e.g., Miami-Dade, Broward, Palm Beach):
- Seller customarily pays for owner’s title insurance.
- Seller selects the title company.
- Reason: It's seen as part of delivering a "clear title" to the buyer.
- Buyer-Pays Counties (e.g., Collier, Sarasota, Lee):
- Buyer customarily pays for owner’s title insurance.
- Buyer chooses the title company.
- Benefit: More control over the title company and process.
- Variable Counties (e.g., Duval, Hillsborough, Orange):
- Customs vary; it may depend on negotiation or local practice.
Is It Negotiable?
- Yes — this is always negotiable during the offer stage.
- Even in “seller-pays” counties, buyers may offer to cover it in a competitive market.
- A good real estate agent can help you negotiate who pays and choose a reputable title company.
What Buyers Might Pay
- Title Insurance Premium (Owner’s Policy):
- Regulated by the State of Florida.
- Example: Around $1,575 for a $300,000 home.
- Lender’s Title Insurance: If you're financing, expect to pay an additional $25–$200.
- Other Fees:
- Title search fees.
- Settlement/closing fees (typically a few hundred dollars).
Tip: Always review the Closing Disclosure (CD) before signing — it outlines exactly who pays what at closing.
What is title insurance and why do I need it?
How much does title insurance cost?
What’s the closing process for a buyer?
Can I choose my title company?
Do I need to attend closing in person?
For Sellers
What’s the closing process for sellers?
What documents do I need to provide?
Who pays for title insurance in Florida?
Do I have to attend closing in person?
What if there’s a lien or title issue?
When will I get my money after closing?
Trusted Protection for Every Transaction
We’ve partnered with TruePay and CertifID — two industry leaders in secure digital payments and wire fraud protection — to give you unmatched security at every step.
What Is TruePay?
TruePay is a secure, wire-free digital payment system designed for the title industry. It eliminates traditional wire risks by providing buyers and sellers with a safe, verified portal for sending funds quickly and confidently.
What Is CertifID?
CertifID verifies identities and securely delivers wiring instructions through an encrypted platform — reducing risk and providing a $1 million guarantee on every verified transaction. It's added peace of mind for your biggest investment.
How We Use Them
We seamlessly integrate TruePay and CertifID into our closing process so that clients don’t have to worry about extra steps or complex logins:
- ✓ Secure payment links through TruePay replace risky wire transfers
- ✓ CertifID confirms identities and validates wiring instructions
- ✓ Verified portals reduce phishing, impersonation, and wire fraud
- ✓ Audit trails and transaction tracking for full transparency
With both TruePay and CertifID working together behind the scenes, you get the confidence of knowing your transaction is safe, seamless, and protected from start to finish. read more
Our Underwriting Partners
We are proudly partnered with three of the nation’s most trusted title insurance underwriters—ensuring every transaction is backed by unmatched protection and expertise
Acknowledged by Industry Leaders
We’re honored to be awarded by Old Republic National Title, one of the industry’s most respected underwriters, for our commitment to excellence, integrity, and client service—a reflection of our team’s dedication and the trust of those we serve.
What Our Clients Say
Trusted by Buyers, Sellers, and Agents
“First Title Source was incredibly attentive. They walked me through every step, and I felt truly supported. Seamless, stress-free, and warm service.”
Homebuyer
“Outstanding communication from start to finish. They handled a tricky closing with grace and speed. I always recommend them to my buyers.”
Realtor
“Remote closing was a breeze. I signed everything virtually, and the team kept me informed the entire time — smooth, secure, and stress-free experience.”
Seller
“As a realtor in the area, First Title Source is one of our FAVORITE title companies to work with! Christina, Kristin, and Megan, are the A team that you want on your team! They have gone above and beyond for our clients time and time again.”
Realtor
“From the first moment I spoke to Frank Cruz at First Title Source, LLC, I knew that my TRAC loan with UWM was in very good hands! The service was excellent. The title and closing was handled flawlessly.”
Lender