What Is A Title Company?

Title Company

What if you bought a home, moved in, then found out that the home actually belongs to someone else? Believe it or not, this was a relatively common phenomenon back in the day. 

Someone would sell a home, thinking that they had a legal right to do so. Then a long-lost spouse, relative, or neighbor would come out of the woodwork, claiming that the home was sold illegally, because they owned the title. 

Thankfully, title companies prevent this from happening today.

What Do Title Companies Do?

  • They will do a thorough background check to make sure that the owners do actually own the property. 
  • They will also look for any outstanding liens, mortgages, judgments, unpaid taxes, leases or easements. Then, they will provide you with a detailed report about what they found.
  • They also issue title insurance. So if they made a mistake during escrow, and someone has the legal right to claim the title on your home down the road, you’ll be compensated adequately. 


Depending on the area, the cost for these services can be anywhere from [$175 to $1000+] and they’re typically required by the bank when you’re taking out a loan. But even if it wasn’t required, every buyer should still work with a good title company, because the peace of mind they provide is worth every penny! So be sure to ask your Realtor® which Title companies they recommend, then ensure that their recommendations are reputable. 

If you’re thinking about making a move (or know someone who is), I can help! Just reply back to this email or send me a text. No pressure, no sales tactics, just helpful advice and the guidance you need!

And finally, if you’re not thinking about making a move just yet, feel free to save this email for future reference, so you can come back to it! 

P.S. Be sure to check out my free local Facebook Group, Explore NY Life. It’s a great place to connect with other community members and get weekly updates on the best events and happenings in and around town!

Picture of Nina Rodriguez

Nina Rodriguez

I'm Nina Rodriguez. I am a Realtor at Coldwell Banker Realty. I live and work in the Hudson Valley and love everything this area has to offer. If you live or thinking about moving here, you have come to the right place! Stay up to date on Events, Outdoors, Real Estate, and more. I’m looking forward to connecting with you soon! See you around town! hello@thehvlife.com | 914.685.8222

The Hudson Valley Life

Westchester, Rockland, Putnam and Orange County

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