Title Services in Orlando, FL
At Title Warehouses of America®, we offer professional title services from our Orlando office and across Florida, underwritten by Stewart Title. Our team ensures secure, timely closings with accurate title searches, title insurance, and escrow services. Whether you're buying, selling, or refinancing residential or commercial properties, we provide reliable, hassle-free title solutions. Trust us to safeguard your investment and ensure smooth, efficient transactions from start to finish.
Title Service Benefits
Our comprehensive title services provide peace of mind and protection for your real estate investments. Our expert team offers:
Title Search & Examination
Comprehensive research of public records to identify any liens, encumbrances, or title defects.
Owner's Title Insurance
Protection for property owners against financial loss from title defects and ownership disputes.
Lender's Title Insurance
Coverage for mortgage lenders to protect their investment in the property loan.
Escrow Services
Secure third-party handling of funds, documents, and transaction coordination.
Title Clearance
Resolution of title issues and defects to ensure clear ownership transfer.
Document Preparation
Expert preparation of all necessary legal documents for your transaction.
What a Florida Title Search Covers
Before you buy, we search the public records to confirm the seller can transfer clear ownership and to find anything that could follow the property to you.
Owner’s and Lender’s Title Insurance
A lender’s policy protects your mortgage lender up to the loan amount, and lenders require it. An owner’s policy protects you, the buyer, up to the purchase price for as long as you or your heirs own the property.
Both are paid once, at closing. There is no monthly premium. If a covered problem from before your purchase appears later, such as a forged deed or an unknown heir, the policy pays to defend your ownership or covers the loss.
Florida Title Insurance Rates Are Set by the State
Florida promulgates title insurance premiums, which means every title company and underwriter charges the same premium for the same policy. What differs between companies is service and their own fees, such as the closing fee.
| Amount of coverage | Rate per $1,000 |
|---|---|
| Up to $100,000 | $5.75 |
| $100,000 to $1 million | $5.00 |
| $1 million to $5 million | $2.50 |
| $5 million to $10 million | $2.25 |
| Over $10 million | $2.00 |
Example: an owner’s policy on a $400,000 home is $575 for the first $100,000 plus $1,500 for the next $300,000, for a premium of $2,075 before endorsements. A lower reissue rate can apply when the property was insured before; we check this for you.
Who Pays for Title Insurance in Florida
In most Florida counties, including Orange, Seminole and Osceola, the seller customarily pays for the buyer’s owner’s policy, and the buyer pays for the lender’s policy. In Miami-Dade and Broward counties the buyer traditionally pays for the owner’s policy. The purchase contract always decides.
Helpful Guides
- What Is Title Insurance and Do You Need It?: owner’s and lender’s policies explained.
- Title Commitment Explained: requirements and exceptions before closing.
- 5 Florida Title Problems That Can Cost Buyers: liens, homestead and fraud risks.
- Florida Municipal Lien Searches Explained: open permits, code violations and utility balances.
- Selling an Inherited Home in Florida: probate, homestead and title.
- Florida Title and Closing Costs: state rates, our flat fee and who pays what.
Title Services FAQs
Common questions about title searches and title insurance in Florida.
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