Who Chooses the Title Company?

When first wading into the real estate market, most people are typically aware of the roles that the real estate agent and lender play in the process. 

The title company is a less familiar, but equally vital, part of the real estate transaction. 

The title company and closing agent coordinate the whole affair, taking care of much of the legal details and paperwork. They do their due diligence to ensure the title is in good shape and the transaction is above board. They provide a valuable service to both the buyer and seller. 

So, who chooses the title company

Federal law prohibits sellers from requiring buyers to use a particular title company’s services if the buyer is paying for any portion of the title insurance policy, but the practice of who chooses the title company oftentimes varies depending on the regional market. In most cases, real estate agents who are very familiar with local title companies can provide buyers and sellers with guidance.

How to Choose a Title Company

Usually, buyers will be able to get good recommendations from their real estate agent when it comes to closing agents and title companies. Of course, it’s better to have more say in this than less, so don’t hesitate to ask your agent questions about their recommendation.

When it comes to making your choice, you want to consider factors like local presence, expertise, reputation, and commitment to their community. A local company will have local expertise. They’ll know the particularities of the market in which they focus their business. That’s critical when navigating the market yourself. You’ll want to ensure your title company has the expertise and experience to get the job done right, and their reputation will reflect that.

Get The Details

When you are choosing your title company and closing agent, be sure to know your quote before proceeding. While the process can develop and change over time, it’s important you and your title company are on the same page in terms of costs. They should make it clear to you what you can expect down the line. 

Also, when it comes time to choose a title insurance policy, pay close attention to the kind of coverage you’re actually receiving. While lenders will always require a title insurance policy, purchasers have options when it comes to the extent of coverage and pricing. 

Choose Heights Title

If you’re ready to move forward with closing and move into the home of your dreams, contact Heights Title today. Let us put our experience and expertise to work for you!

This material is provided as a courtesy and for educational purposes only. Please consult your title professional for specific information regarding your situation.

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Heights Title

3138 Cahaba Heights Rd 100B
Birmingham, AL 35243

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