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.