How to Choose a Title & Escrow Company
Title and escrow handle the money, the documents, and the legal transfer of your property. Here’s what to know.
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Claim Your ProfileThe title and escrow process is the behind-the-scenes engine of every real estate closing. The title company searches public records to confirm the seller actually owns the property free and clear, and the escrow company holds funds and documents until all conditions are met. A mistake or delay at this stage can derail your closing and cost you your earnest money.
What to Look for in a Title & Escrow Company
- 1
Search thoroughness
A good title company doesn’t just run an automated search — they dig into liens, easements, encroachments, and judgments that could affect your ownership.
- 2
Communication and availability
You should be able to reach your closer or escrow officer easily. Closings often require last-minute document changes, and responsiveness matters.
- 3
Error rate
Ask about their error rate on title commitments. Mistakes in the title search can cause closing delays or, worse, post-closing ownership disputes.
- 4
Closing flexibility
They should accommodate your schedule — including evening, weekend, or mobile closings if needed.
- 5
Fee transparency
Title fees and escrow charges should be clearly itemized. Ask for a fee schedule upfront and compare it to 2–3 other companies.
- 6
Underwriter strength
The title insurance underwriter (Fidelity, First American, Old Republic, Stewart) backs the policy. Ask who their underwriter is.
- 7
Wire fraud prevention
Wire fraud in real estate is a growing threat. Your title company should have clear protocols for verifying wire instructions and never change them via email.
Questions to Ask Before You Hire
- Who is your title insurance underwriter?
- How do you handle wire fraud prevention?
- Can you provide a fee schedule before I commit?
- What is your typical turnaround on a title search?
- Do you offer mobile or after-hours closings?
- What happens if a title issue is found after closing?
Red Flags to Watch For
- They send wire instructions by email without verbal verification
- They can’t tell you who their underwriter is
- Their fees are significantly higher than competitors with no explanation
- They’re unresponsive during the pre-closing process
- They rush you through the closing without explaining documents
What Does It Typically Cost?
Title insurance is a one-time premium typically paid at closing, ranging from $500–$3,500 depending on the sale price and location. Escrow fees add another $500–$2,000. The buyer usually pays for the lender’s title policy, and the seller often covers the owner’s policy.
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