What Does a Title Company Do, and Why Does It Matter?
When you’re buying or selling a home, a title company may not be the first thing on your mind—but it plays one of the most important roles in your transaction. From protecting your ownership rights to making sure the deal closes smoothly, the title company is your behind-the-scenes hero. So… what exactly does a title company do? And why should you care? Let’s break it down. What Is a Title? The title is the legal right to own, use, or sell a property. When you buy a home, you’re not just getting the house—you’re getting the title. But before that transfer can happen, the title has to be verified and cleared. That’s where the title company comes in. What Does a Title Company Actually Do? A title company performs several critical functions: 1. Title Search They dig through public records to verify the property’s history and make sure there are no: Liens Unpaid taxes Claims of ownership Errors in legal descriptions Why it matters: You don’t want to buy someone else’s legal problems. 2. Title Insurance They issue title insurance policies to protect the buyer and lender against issues that weren’t found in the title search (like an unknown heir or forged signature from years ago). Why it matters: If a dispute comes up later, title insurance protects your investment. Contact me today with any questions or if you are looking for your next title company.
Flat Fee vs Traditional Title Fees – What’s the Difference?
If you’ve ever bought or sold a home, you’ve probably noticed the long list of fees on your closing statement. One of the largest? Title fees.But did you know not all title companies charge the same way? Today we’re breaking down the difference between flat fee title services (like what we offer at Concierge Title) and traditional title fees—so you can make the best choice for your closing. What Are Title Fees? Title fees cover the cost of: The title search to verify ownership history Clearing title issues like liens or unpaid taxes Title insurance Document preparation Closing coordination (where you sign and funds are transferred) In a traditional title company model, these fees are all itemized and can quickly add up. Traditional Title Fees – The Cost Breakdown With traditional title companies, your final title bill might include: Fee Type Typical Range Title Examination $150 – $300 Document Prep $100 – $200 Settlement or Escrow Fee $250 – $600 Courier/Notary/Email Fees $100 – $200 TOTAL $600 to $1,500+ These costs vary based on the company, location, and property value—and they’re often unpredictable until the last minute. Flat Fee Title Services – One Price, No Surprises At Concierge Title, we charge a flat $250 title fee. That’s it. ✅ No hidden fees✅ No extra charges for courier, email, or mobile closings✅ No surprises on your closing disclosure And yes—it includes full title services and mobile closing if you want to sign from home, work, or anywhere else. Contact me if you have any questions or are looking for a title company for your next home purchase.
Can I Choose My Own Title Company in Texas?
When you’re buying or selling a home in Texas, there are plenty of decisions to make—but one you may not know you have control over is the title company. Many buyers assume the title company is already chosen for them, but that’s not the case. Yes, in Texas—you can choose your own title company. And doing so can save you time, money, and stress. At Concierge Title, we believe in giving you the power to choose convenience, transparency, and affordability. What Does a Title Company Do? A title company is responsible for: It’s a big job—and you want someone you trust to do it right. ✅ Yes, You Can Choose! In most Texas real estate contracts, the buyer has the right to choose the title company—especially when they’re paying for the title policy (which is common in Texas). Even if the seller pays for title insurance, the buyer and their agent can still negotiate the title company. Don’t let anyone pressure you into using “their person.” You have options! Why Choosing the Right Title Company Matters Not all title companies are created equal. Here’s what can vary: Feature Typical Title Co. Concierge Title Fees $800–$1,500+ $250 Flat Fee Closing location Office only Anywhere you want Communication Delayed responses Fast, friendly updates Closing times Business hours only Evenings & weekends available Choosing a company like Concierge Title means you get white-glove service, no surprise costs, and mobile closings that work around your schedule.
Red Flags That Could Delay Your Closing (And How We Help You Avoid Them)
When you’re buying or selling a home, nothing is more frustrating than a delayed closing—especially when you’re packed, scheduled, and ready to move. While financing or inspection issues get a lot of attention, title problems are one of the most common—and costly—reasons closings get pushed back. At Concierge Title, we specialize in smooth, on-time closings, and part of that means spotting title red flags before they become closing-day disasters. Here are the most common title issues and how we help you avoid them: 🚩 1. Unreleased Liens The Problem: A past mortgage, contractor lien, or tax lien wasn’t properly released in the public records. How We Help: Our experienced examiners thoroughly review public records and work with lien holders to get timely releases or payoffs—before your closing is scheduled. 🚩 2. Errors in Public Records The Problem: Typos in names, addresses, or legal descriptions can throw a wrench into title searches or insurance. How We Help: We flag and correct recording issues early, so your title commitment is accurate and your policy is clean. 🚩 3. Undisclosed Heirs or Probate Issues The Problem: When someone passes away, their interest in a property must be legally transferred. If this isn’t handled correctly, it can delay or block a sale. How We Help: We verify all ownership transfers and coordinate with attorneys or probate courts if needed—so your deal doesn’t stall unexpectedly. 🚩 4. Boundary or Survey Disputes The Problem: Neighboring properties may encroach on yours—or vice versa. Discrepancies in survey lines can create confusion or even lawsuits. How We Help: We work with licensed surveyors and review surveys with care, alerting you to potential problems up front. We also offer optional survey coverage for added peace of mind. 🚩 5. Missing Signatures or Uncooperative Sellers The Problem: A previous co-owner never signed off—or a power of attorney wasn’t valid. How We Help: We verify all necessary parties and documents long before closing day. Our team works quickly to resolve signature issues and ensure valid authority for all transactions. ✅ Avoiding Red Flags with Concierge Title At Concierge Title, we believe closing on your home should be simple, affordable, and stress-free. Our flat $250 title fee means no surprises—and our mobile closing services let you close from your home, office, or anywhere. But our real value? We catch problems before they catch you. That’s the Concierge difference. 📝 Ready for a smooth closing? Let’s get started: www.ctotx.com | Send orders to📞 (832) 620-3023 | ✉️ ygrayson@ctotx.com