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Understanding A Title Company’s Role In Columbia Real Estate

Understanding A Title Company's Role

Everyone knows that the title company will be involved in your real estate transaction, but do you know exactly what they do? Many people aren’t sure exactly what the title company does. In our latest post, we will help you with understanding a title company’s role in real estate transactions.

When buying or selling your house, you might not put much thought into the title company you use or what they do. However, this little-discussed part of the process is probably one of the most critical parts of a sale! Below are just a few of the things title companies do to help facilitate a real estate transaction!

Title Search

In order to ensure the title to a property is valid, a title company will do a complete and thorough title search. This will give you the peace of mind that nobody else can claim ownership to the property. This includes a highly detailed inspection of all property records. They will look for property liens, outstanding mortgages, unpaid taxes, judgments or any other restrictions on the property. If the title search comes back with issues, the lender will not issue a mortgage for the home.


If the title is valid, the title company will issue an insurance policy which protects lenders and owners from claims and legal fees. Insurance policies are provided to both the property owner and the lender. These policies will protect them in the event someone comes forward with a rightful claim to the property. While it is fairly uncommon that an issue arises after the search, if something does, your insurance will be there to protect you, repaying you and the lender for the home.

The Escrow Office & Closing Agent

The title company will also manage your escrow account and handle the closing. They ensure that all funds are accounted for and distributed in line with the closing statement. The will act as a mediator between the buyer and seller to ensure everything goes smoothly. Your title company will work with the lender to facilitate all of the loan documents for the closing. You will likely need to meet at their office to sign the closing documents. That said, many documents are now being able to be processed online. Talk to your title company about remote closings to determine if this is an option you would like to pursue.

Recording The Deed

Once the closing has taken place and the funds are dispersed, it is then time to record the deed with the county. The title company will make sure all documents are properly executed, filed and recorded with the county office. It is extremely important that these documents are filed correctly and in a timely manner.

How To Choose A Title Company

The best way to find a good title company is often word of mouth. If you are using an agent, ask them which title company they recommend. You can also ask friends and family that may have purchased a house recently. Ask the agency for references and take note of how long they have been in business. While new companies can provide excellent service, you can bet that title companies that have been around a while really know what they are doing!

At Cash Home Buyers, we work with some of the most reputable and experienced title companies in town! We are happy to provide you with a reference or recommendation when you are buying or selling real estate in the Columbia area.

Are you ready to buy or sell a Columbia house? We can help! Send us a message or give us a call today! (803) 889-0840


Ben Lovro

Ben Lovro is an entrepreneur with a vision to improve neighborhoods and revitalize the communities that we live in. He has a clear passion for people and has developed effective strategies and real estate solutions in todays rapidly changing market. He is committed to being a lifelong student of Success Strategies and Leadership. Knowing what you want is perhaps the most important step in self-development; this takes much persistence and self examination. Once your desire to serve God overwhelms all other desires, you begin to step into your purpose and your mission in life changes. To be fulfilled in life you have to grow. The art of fulfillment is what develops our life into an expression for others to follow. Some of our greatest moments come from facing our fears and doing the things that scare us the most. You have been given one life, and one chance to tell your story. It's never too late to become the person that want to be.

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