Why Is a Title Company Important?
Buying or selling real estate is one of the largest financial transactions most people will ever make. Before ownership can legally transfer, someone needs to verify that the seller has the legal right to sell the property and that there are no hidden issues that could impact ownership.
A title company helps protect everyone involved by researching the property's history, identifying potential problems, coordinating the closing process, and issuing title insurance that protects against certain future title claims.
What Does a Title Company Actually Do?
A title company manages many important steps behind the scenes to help ensure your closing goes smoothly.
Conduct a Title Search
We research public records to confirm legal ownership and identify any issues that could affect the property's title.
This includes reviewing:
- Previous deeds
- Mortgages
- Liens
- Judgments
- Easements
- Property tax records
- Public filings
Resolve Title Issues
If we discover a problem during the title search, our team works to resolve it before closing whenever possible.
Examples include:
- Unreleased mortgages
- Outstanding liens
- Recording errors
- Ownership discrepancies
- Probate matters
- Boundary issues
- Unknown heirs
Addressing these issues early helps reduce the risk of delays on closing day.
Coordinate the Closing
Your title company helps coordinate communication between all parties involved, including:
- Buyers
- Sellers
- Real estate agents
- Lenders
- Attorneys
- Surveyors
- Municipal offices
This coordination helps ensure documents, funds, and timelines stay organized throughout the transaction.
Issue Title Insurance
Once the title has been reviewed and the transaction is complete, title insurance helps protect buyers and lenders against certain covered title defects that may not have been discovered during the title search.
Unlike other insurance policies that protect against future events, title insurance protects against covered issues that may already exist in the property's history.
Why Choose a Local Title Company?
Real estate laws, recording procedures, and municipal requirements can vary from county to county.
Surety combines deep local expertise with nationwide capabilities, serving clients throughout:
- Camden County
- Burlington County
- Gloucester County
- Atlantic County
- Cape May County
- Ocean County
- Monmouth County
- South Jersey
- North Jersey
- The Jersey Shore
- Greater Philadelphia
- Pennsylvania
- Nationwide
Whether you're purchasing your first home, investing in commercial real estate, or managing a multi-state transaction, our team understands the local requirements that help closings move efficiently.