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General
What does a title company do?
A title company ensures that the property you’re buying or selling has clear ownership, no undisclosed liens or legal issues, and that funds and documents are handled securely and accurately through closing.
Why is title insurance important?
Title insurance protects you against hidden title defects such as unpaid liens, recording errors, or ownership disputes that could surface after closing. It’s a one-time premium that provides long-term protection for as long as you or your heirs hold an interest to the company.
Who chooses the title company?
In Florida, the party paying for the owner’s title insurance typically selects the title company and this should be outlined in the contract. This varies by county and contract, and we’re always happy to help clarify who chooses in your specific transaction. By convention most counties in FL are seller pays for title, but this can change transaction to transaction.
Do I need a title company if I’m paying cash?
Yes. Even in a cash transaction, a title search and title insurance help protect you from undiscovered ownership issues, liens, or claims that could impact your investment.
Given the large expense involved in real estate transactions, both parties also benefit from a neutral third party who can verify performance within the contract and hold funds securely.
Is a title company required to close?
While laws vary by state, using a title company (or closing agent) ensurs the transaction is handled correctly, securely, and in compliance with all applicable regulations.
Buyer
What costs should buyers expect at closing?
Buyers typically see lender fees (if financed), title and settlement charges, recording fees, and prepaid items such as taxes and insurance. We provide clear, easy-to-understand estimates early so there are no surprises. Reach out and we can help you understand what costs to reasonably expect for your situation with a preliminary statement.
Can I sign my closing documents electronically?
In some cases, yes. Depending on the transaction type and lender approval, buyers may have options such as remote online notarization (RON) or hybrid closings.
When should buyers wire funds?
Funds are required prior to closing. Many clients elect to wire funds the day prior to close to take one item off their plate on closing day.
We follow strict verification and security protocols to protect against wire fraud and will never change instructions without direct verification.
We will only deliver wire instructions via a secure portal such as ClosingLock or Qualia - never as a pdf attached to email.
What happens if there is a title issue?
If a title issue is discovered, we work proactively to resolve it before closing—often behind the scenes—so your transaction stays on track.
Is a survey required?
On cash transactions it is not required but encouraged.
On loan transactions a survey is required. We will always attempt to rely on the seller's existing survey to minimize cost to you but if there have been changes, we may need to order a new one.
Seller
What does the title company do for sellers?
For sellers, we coordinate payoff of existing mortgages, resolve title issues, prepare closing documents, collect and disburse funds, and ensure the transaction is properly recorded.
When do sellers receive their proceeds?
Sellers typically receive funds once the transaction has been announced closed - often same day. If closing is not complete until late in the day, sometimes disbursing will occur the next day. We will proactively communicate to ensure expectations are managed.
Can sellers sign remotely?
Yes. Most sellers are able to sign remotely using mobile notaries or remote online notarization, depending on eligibility and document requirements.
Refinance Borrowers / Lenders
How is a refinance different from a purchase?
A refinance focuses on confirming current ownership, paying off the existing loan, and issuing new title insurance for the lender. The process is streamlined but still requires precision and compliance.
Does every refinance require title insurance?
Yes. Lenders require a new lender’s title insurance policy to protect their interest in the property.
When should buyers wire funds?
Funds are typically required prior to closing. Many clients elect to wire funds the day prior to close to take one item off their plate on closing day.
We follow strict verification and security protocols to protect against wire fraud and will never change instructions without direct verification.
We will only deliver wire instructions via a secure portal such as ClosingLock or Qualia - never as a pdf attached to email.
What happens if there is a title issue?
If a title issue is discovered, we work proactively to resolve it before closing—often behind the scenes—so your transaction stays on track.
Is a survey required?
Yes a survey is required but we can often rely on your existing survey. We will ask you if any changes or improvements have been made.
We will typically engage our underwriter to get their approval issuing the necessary coverage if there have only been minor changes.
Items such as new fences, additions, or pools, typically will require a new survey.
Security & Trust
How do you protect against wire fraud?
We use layered security protocols, including identity verification, secure communication systems, and strict wire verification procedures to protect client funds.
Our tools also come with direct insurance for our clients with up to $5 M in third party insurance against wire fraud when utilizing the tools.
How are escrow funds protected?
Escrow funds are held in segregated, audited escrow accounts and disbursed according to strict controls and compliance standards.
Can wire instructions ever change?
We do not change wire instructions without direct, verified confirmation. Clients are encouraged to always verify instructions by phone before sending funds.
We follow strict verification and security protocols to protect against wire fraud and will never change instructions without direct verification.
We will only deliver wire instructions via a secure portal such as ClosingLock or Qualia - never as a pdf attached to email.
Working With Us
Are you attorney-led?
Yes. Our closings are overseen by experienced attorneys, providing an extra layer of expertise, accountability, and peace of mind.
Do you work statewide?
Yes. We serve clients across Florida and deliver the same highly personal, responsive experience regardless of location.
When should I contact the title company?
The earlier the better. Early involvement allows us to identify and resolve potential issues before they impact your closing timeline.
We follow strict verification and security protocols to protect against wire fraud and will never change instructions without direct verification.
How do I get started?
Simply reach out via call/text at 727-317-6781 or email team@titlepilot.com. We’ll walk you through next steps, provide a clear estimate, and coordinate seamlessly with your agent and lender.
Why TitlePilot
How are you different from other title companies?
We combine attorney-led oversight, advanced security, modern technology, and a genuinely customer-obsessed approach. Our goal isn’t just to close transactions—it’s to protect people, funds, and relationships.
Can you help explain closing costs to clients?
Absolutely. We believe understanding builds confidence. We walk clients through their numbers in plain English—no pressure, no jargon. We do this EARLY. Not when its too late to even bother with questions.
Do you offer resources for agents and clients?
Yes. We provide educational guides, tools, and live office hours to help clients and real estate professionals better understand the closing process.
How do I get started?
Simply reach out via call/text at 727-317-6781 or email team@titlepilot.com. We’ll walk you through next steps, provide a clear estimate, and coordinate seamlessly with your agent and lender.
Discounts / Cost Savings
Do you offer any discounts?
Yes. We are proud to offer a 20% public service discount off our settlement fee for:
- Active duty military
- Veterans
- First responders
It’s our way of saying thank you for serving our communities and country.
Are there discounts on title insurance?
Yes!Reissue credits are discounted title insurance rates available when a property has been recently insured. They can result in meaningful savings for eligible clients.
Produce your existing owner's title policy at the time of ordering to ensure you are quoted the reissue credit rate!
Was your question not answered here? Reach out! We typically respond within a couple hours.