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Homebuyers
Buying a home is a big step — and we’re here to help guide you through it. Here are answers to the questions we hear most from buyers.
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.
We research the property’s title history, clear any issues, hold escrow funds securely, prepare your closing documents, and ensure a smooth and secure closing day.
Yes. Even without a loan, title insurance protects you from unexpected claims, liens, or ownership disputes — it’s a smart, one-time investment for peace of mind.
Closings usually take 30–45 days, depending on financing, inspections, and document readiness. We’ll keep you updated from start to finish.
You’ll need a valid photo ID and any certified funds if required. We’ll confirm exactly what you need ahead of time to avoid surprises.
Sellers
Selling your home? We’re here to make the process smooth and stress-free. Here are the questions we get most often from sellers just like you.
Yes, any outstanding liens or mortgages on the property must be satisfied prior to or at closing. We’ll help identify and resolve them during the title search.
You’ll need to provide a government-issued ID, your mortgage loan info (if applicable), your forwarding address, and any HOA documents or disclosures required.
Typically, 30 to 45 days from the signed contract. However, we aim to close faster when all parties are ready and documentation is complete.
It depends on the county. In many Florida counties, the buyer pays, but in counties like Miami-Dade or Broward, it's often the seller. We’ll confirm what applies to you.
Yes! We offer mobile notary services and Remote Online Notarization (RON), making it easy to sign from anywhere — whether you're local or out of state.
Once all documents are signed and the transaction is recorded, we typically disburse your funds the same day or the next business day via wire or check.
Florida doesn’t require an attorney to sell your home. Our experienced team handles all the title and closing work, but we’re happy to work with your attorney if preferred.
Realtors
Whether you're showing the property or signing the contract, we've got your back. Here are the most common questions Realtors ask us.
Yes! We can run a quick title search to help identify any liens, encumbrances, or title issues before you list or go under contract.
Our typical turnaround is 24–48 hours. We prioritize contract deadlines and communicate clearly if anything affects timing.
Absolutely. We can securely hold escrow deposits, and we provide wire instructions and confirmation receipts for your files.
In most Florida counties, the buyer pays for the title insurance. However, in counties like Miami-Dade and Broward, it’s common for the seller to pay. We’ll help confirm for your file.
Yes! We offer flexible closing options, including mobile notaries and Remote Online Notarization (RON) for tech-savvy clients.
Definitely. We offer a secure online title order form, and we’re happy to integrate with your workflow if possible.
Lenders & Brokers
We understand the pace and precision lenders need. Here’s how we support your team throughout the title and closing process.
We prioritize both speed and accuracy. Most residential commitments are ready within 24–48 hours. Commercial files depend on complexity. Need a rush? Just ask — we’ve got you.
Yes. CPLs can be generated automatically during file setup or upon request. We comply with all Florida regulations and underwriter requirements when issuing CPLs for lenders.
Absolutely. We work seamlessly with loan officers, processors, and assistants to ensure smooth coordination. Expect prompt, clear communication every step of the way.
Yes. We support remote online notarization (RON), mobile notaries, and overnight delivery for mail-away closings. We’ll handle the logistics so your borrower stays on track.
We offer a full suite of ALTA endorsements, including 8.1, 9, and 22 series. Just include your endorsement requests and we’ll confirm availability and quote accordingly.
Yes. Whether you’re closing a single-family refi or a multi-parcel commercial deal, our team brings the experience and precision needed to close smoothly and securely.
Commercial Buyers
Navigating commercial real estate? We’ve got answers. These are the most common questions we hear from buyers closing commercial transactions.
Commercial title policies often involve higher property values, complex ownership structures, and more due diligence. We may review surveys, zoning, and business entities depending on the deal.
Common endorsements include zoning, survey, environmental protection liens, access, and utilities. The right endorsements vary by property type and lender guidelines.
Most commercial title searches take 7–14 business days. More complex properties, especially those with multiple parcels or liens, may take additional time.
Yes. Many commercial buyers include attorneys — especially for lease-back deals, 1031 exchanges, and corporate purchases. We coordinate directly with legal counsel as needed.
The fastest way is to use our Request a Commercial Quote form. You can also call us — we’ll walk you through it and gather any necessary details.
Remote & Mobile Closings
Whether you're across the state or across the country, we make closing easy. Here are the most common questions about virtual, remote, and mobile closings in Florida.
Yes! We offer remote closings via e-signature, Remote Online Notarization (RON), mobile notary, and mail-away options. You don’t have to set foot in our office to close.
RON is a legally recognized way to notarize documents online using secure video conferencing. Florida law permits RON closings as long as identity and security checks are passed.
All you need is a computer or tablet with a camera, microphone, and stable internet. We’ll guide you through the secure e-signing and video notary process step by step.
Absolutely. Remote closings use encrypted platforms that meet state and federal compliance standards. All signatures and notary seals are legally recognized and auditable.
Yes. We regularly help out-of-state and even international clients close on Florida real estate through RON and mail-away closings. Just let us know your location and timeline.
Yes, we offer mobile notary services across Florida. A licensed notary can come to your home, office, or another convenient location to complete your closing in person.
Our team will review your file, timeline, and preferences to recommend the right approach — RON, mobile notary, mail-away, or hybrid. We’ll make sure your closing is fast, easy, and stress-free.
Refinance
If you're refinancing your home or investment property in Florida, you may have questions about the title process. Here are the answers we give most often.
Even in a refinance, the lender needs to verify ownership, check for liens, and ensure clear title. We perform a title search and issue a lender’s title insurance policy for protection.
Yes, but only for the lender. If you already purchased an owner’s title policy during your original closing, that coverage remains in place. Refinance title insurance protects your new lender’s interest in the property.
Refinance closings typically take 30–45 minutes. We offer flexible scheduling and remote options like mobile notaries or Remote Online Notarization (RON) to make it easy for you.
Yes! We offer RON, mobile notary, and overnight mail options. Whether you’re traveling or live outside Florida, we’ll coordinate a smooth refinance closing wherever you are.
Common refinance costs include lender title insurance, recording fees, and closing fees. We’ll provide a detailed quote upfront so you know exactly what to expect—no surprises.
In Florida, even if only one person is refinancing, all titleholders or spouses with homestead rights may need to sign. We'll clarify what's required based on your file and ownership structure.
Once your lender issues the Clear to Close, we can often schedule within 1–2 business days. Just let us know your availability, and we’ll make it work for you.