What Does a Title Company Do?

What does a title company do? If you have ever bought or sold a house, or are currently in the process, you know it is not as simple as signing a couple of documents and exchanging money. There is a lot of other behind the scenes work that takes place, and that is where a title company comes in. 


In a broad scope, a title company is responsible for making sure the real estate title is legitimate and then will guarantee the title is valid through title insurance. There are some other additional responsibilities a title company can be responsible for as well. Here’s what you need to know. 


A title company orchestrates the legal transfer of property rights between the seller and the buyer. 

Verifying and Validating A Title 


The primary responsibility of a title company is the transferring of property rights from one owner to the next. A title company, like True Concept Title, will verify that the title to the real estate property that is being sold is legitimately given to the new homebuyer. 


There are many reasons why a title may not be legitimate and it is up to the title company to make sure that the seller actually has the rights to sell the real estate. During a title search the title company will look for: 


  • Liens 
  • Prior mortgages 
  • Prior unpaid taxes 
  • Court judgments 
  • Fraudulent transfers 
  • Unknown heirs 
  • Restrictions on the property such as easements and right-of-ways 


Protection Through Title Insurance 


Without a legitimate title, the new buyer could have unimaginable legal issues. This is why a title company will provide title insurance after verifying the title. Title insurance acts as a guarantee and protects the owner (or lender) if someone tries to question or claim legal ownership of the real estate. Title insurance not only protects borrowers against recorded and unrecorded liens that could attach to a property, but may also provide savings for future refinances and/or sales of a property. Additionally, title insurance can protect the owner and/or their heirs against future litigation, from a prior owned property found to have clouds on title, for years after a property sale. 


Other Services Our Title Company Offers 


Title companies can assist with many additional services that make selling or buying a home more efficient, effective, and secure. 


Maintaining Escrow Accounts 


Title companies oftentimes manage and maintain escrow accounts on behalf of the sellers and buyers. An escrow account contains the funds needed to close on the home. They will ensure that the money is only being used for settlement and closing costs. 


All parties rely on the title company to be honest and impartial when it comes to handling monies. We offer full escrow processing services through our centralized escrow division. Our title company coordinates order entry, escrow, file funding, and disbursement for all loan types nationwide. Real estate professionals appreciate our centralized production center can also manage: 


• Payoff Ordering
• Loan Document Processing
• Loan Disbursements 

 
Document Preparation 


This service can be used in conjunction with full loan processing, or independently. When you choose this level of support from True Concept Title, your property reports include: 


  • Current Vesting Information 
  • Assessments 
  • Legal Description 
  • Parcel Number 
  • Tax Information 
  • Open Mortgages/Judgments / Liens 
  • Recorded Bankruptcy Proceeding Information 


Some of our property reports may include an abstract of title or a title opinion. These two documents focus on researching the history of the property, and if any issues arise during the research, they will need to be taken care of before a buyer can get title insurance. 


An abstract of title is a good source for determining the history of the property. It outlines the ownership of the property by looking at when that particular property has been sold as well as looking at records that may show any applicable inheritance, court litigation, and/or tax sales. 


After the abstract of title is complete, the title company will then write an opinion of title. This document states that the title company thinks the seller has a valid title to the property and they feel comfortable insuring the title through title insurance. 


Mortgage Processing 


True Concept Title develops customized processing that meets your business needs. This includes: 


  • Quick Turnaround Times 
  • Centralized Mortgage Processing, Available in all 50 states 
  • Customized Processing Options 
  • 24-7/365 Access to Files 


Conducting the Closing 


At the closing, a settlement agent from the title company will conduct the formal closing on the real estate property. The settlement agent will bring all the necessary documentation, explain it to the parties, collect closing costs, and distribute monies. 


We offer clients and partners a way to close loans quickly. More importantly, we build our processes and services around your needs. From attorney services to notarizing documents and document processing to mobile closings, our title and escrow experts can help with a successful closing experience. 


After the closing, the title company will ensure the new titles, deeds, and other documents are filed with the appropriate entities. 


Related > Convenient Mobile Closings


True Concept Title is Your One-Stop-Shop 


A title company plays a large role when a property seller and a buyer enter into a formal purchase agreement, and at True Concept Title we want to be there every step of the way. Our job is to cater and build our title and escrow services around your customers’ needs. 


At True Concept Title, we maintain a national presence, as well as local to the Tampa Bay area. We work with many mortgages, real estate, and legal partners across the country. We are ready to assist you in developing your customer relationships, no matter where they are located. Contact us at 813-263-7168 to get started today! 

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Benefits of E-Closings & Digital Signatures

January 12, 2025
In an age where technology continuously reshapes how we conduct transactions, e-closings, and digital signatures have emerged as transformative forces in the real estate industry. These innovations streamline the buying and selling process, offering numerous advantages over traditional paper-based closings. At True Concept Title Company , we embrace these advancements to provide clients with a seamless and efficient closing experience. Here’s a closer look at the key benefits of e-closings and digital signatures. Convenience and Accessibility One of the most significant advantages of e-closings is their unparalleled convenience. Digital transactions eliminate the need for all parties to gather in person, allowing buyers, sellers, and agents to close deals from virtually anywhere in the world. This flexibility is particularly beneficial for individuals with tight schedules or those living in different locations. E-closings also empower you to review documents at your own pace. You can sign digital documents securely at a time that suits you, reducing the pressure to finalize everything in a meeting. This convenience translates to a more relaxed and stress-free experience for everyone involved. Enhanced Security Measures Digital signatures offer enhanced security features that protect the integrity of your documents. Electronic transactions often utilize encryption and secure identities to ensure that signatures are genuine and documents aren't altered post-signature. Many e-closing platforms offer audit trails , allowing you to trace every step of the signing process. This transparency provides peace of mind, as both parties can verify the authenticity of the documents and who accessed them. Additionally, digital storage of these documents reduces the risk of loss or damage compared to physical papers. Increased Efficiency and Speed E-closings significantly expedite closing, reducing the time to finalize real estate transactions. By eliminating the back-and-forth associated with mailing documents, closings can be completed more rapidly. This speed is particularly useful in competitive markets where timing can influence the success of a deal. Furthermore, e-closings streamline communication between all parties involved. Any changes or updates can be managed in real time, ensuring everyone stays informed and on the same page and reducing the likelihood of miscommunication. Environmentally Friendly Practices The shift from paper-based transactions to digital signatures contributes to more sustainable and environmentally friendly business practices . By minimizing the need for printed documents, e-closings help reduce paper use and the carbon footprint of transporting physical documents. This eco-friendly approach is becoming increasingly important to clients conscious of their environmental impact. By adopting digital solutions, you contribute to a more sustainable future while enjoying the benefits of modern technology. Cost Savings E-closings can also lead to significant cost savings. By reducing the need for physical resources such as paper, printing, and postage, you can cut down on these expenses. Additionally, the increased efficiency of digital processes can save on administrative and labor costs. Moreover, fewer errors occur in digital processing, reducing costs associated with correcting mistakes commonly encountered in manual paperwork processing. Conclusion: As the real estate industry evolves, embracing e-closings and digital signatures represents a move towards greater efficiency, security, and convenience. At True Concept Title Company, we are committed to leveraging these technologies to enhance your closing experience. Whether buying or selling, consider opting for an e-closing to enjoy its many benefits. Ready to experience the convenience of e-closings and digital signatures? Contact True Concept Title Company today to learn how we can simplify your home transaction process with the latest digital solutions. Embrace the future of real estate with us!