What the Title Company Does for the Buyer

What the Title Company Does for the Buyer
Prepared by Partners Real Estate Brokerage LLC

When you’re buying a home, a lot of moving parts come together to make sure your ownership is legal, secure, and fully protected. One of the most important players in that process is the title company. While they often work behind the scenes, their role is essential in safeguarding your rights and making sure your purchase closes smoothly. Here’s what to expect.

Title Search and Examination
Before you take ownership, the title company conducts a thorough search of the property’s history. This includes checking public records for unpaid taxes, liens, judgments, or ownership disputes. They confirm that the seller has the legal right to transfer the home to you and flag any restrictions—such as easements or covenants—that could affect how you use the property.

Title Insurance Protection
Most lenders require a lender’s title insurance policy, which protects their investment in case any issues arise with the title. As the buyer, you can also purchase owner’s title insurance—an optional but highly recommended policy that protects you from future claims. This might include undisclosed heirs, mistakes in public records, fraud, or liens that weren’t discovered during the title search. It’s a one-time fee that provides long-term peace of mind.

Document Preparation and Coordination
The title company prepares the critical documents you’ll sign at closing, including the Closing Disclosure, the deed, and the title commitment. They also coordinate with your lender, the seller, and both real estate agents to ensure everything is accurate and compliant. Their job is to make sure all parties are aligned and that nothing falls through the cracks before closing day.

Escrow Services and Funds Handling
As a neutral third party, the title company holds and manages all the funds involved in the transaction. They collect your earnest money deposit, down payment, and lender funds. From there, they handle all payouts—ensuring the seller’s mortgage is paid off, agent commissions are distributed, and fees like taxes and insurance are covered. Every dollar is tracked and accounted for until the transaction is complete.

Closing Day Responsibilities
On closing day, the title company oversees the signing of all legal documents, either in person or through remote signing options. They walk you through the key forms, including your loan note, mortgage, and deed. Once everything is signed and notarized, they handle the final disbursement of funds and submit your deed and mortgage to the county for official recording.

After Closing
Even after the paperwork is signed, the title company continues working on your behalf. They deliver the final signed documents to you and your lender, issue the official title insurance policy, and confirm that the deed has been properly recorded. They also maintain transaction records, which can be helpful if any questions arise in the future.

Why It Matters
The title company isn’t just a middleman—they’re a critical part of ensuring your purchase is safe, legal, and final. By catching potential issues before closing and providing protection after the fact, they help eliminate risks and give you confidence in your investment.

Have Questions About the Closing Process? Let’s Talk.
At Partners Real Estate Brokerage LLC, we work hand-in-hand with trusted title professionals to guide our buyers every step of the way. From contract to keys, we’re here to make sure your experience is seamless and secure.

Veronica Zerpa, Broker
Partners Real Estate Brokerage LLC
📱 407.603.0088 | 📧 Veronica@JoinThePartners.com
Your trusted partner for smooth, confident closings across Central Florida.