• A title company conducts a title search to examine public records and identify any potential issues with the property's ownership history, such as liens, judgments, or other encumbrances. • They issue a title insurance policy to protect the buyer and lender against financial losses due to title defects discovered after the purchase. • They manage the escrow process, holding funds and documents until all conditions of the sale are met. • They facilitate the closing process, coordinating with all parties involved to ensure a smooth transfer of ownership.

• Is my money safe with this company? • How will my investment be protected? • Is the company a neutral third party? • Are your rates filed with the Division of Insurance? • Do you conduct thorough title searches and disclose exceptions? • What is the company's experience with resolving title issues?

• Typically, the buyer chooses the title company, but sometimes the seller or lender may have input. • It's important to research and compare title companies to find one that meets your needs and provides reliable service.

• The cost of title insurance varies depending on the property value, location, and the type of policy (owner's or lender's). • It's a one-time fee paid at closing, not a recurring monthly expense.

• Title insurance protects the buyer and lender from financial loss due to title defects that may not be discovered during the title search, such as fraud, forgery, or undisclosed heirs. • It provides peace of mind, ensuring the buyer's investment is protected even if problems arise after closing.

• Liens: Unpaid taxes, mortgages, or other debts secured by the property. • Encumbrances: Restrictions on the use of the property, such as easements or restrictive covenants. • Fraud or Forgery: False documents related to the property's ownership. • Undisclosed Heirs: Claims by individuals who are not listed on the deed as owners.

• While title companies can't remove liens, they can assist in resolving issues by negotiating with lienholders or helping to clear clouds on the title. • The seller is typically responsible for resolving any title defects before closing.

• All parties involved (buyer, seller, real estate agents, lender, and title company representative) meet to sign final documents and transfer funds. • The title company disburses funds, records the new deed, and issues the final title insurance policy.