FAQs
What is title insurance, and why do I need it?
Title insurance protects homebuyers and lenders from potential legal issues related to property ownership, such as liens, fraud, or disputes over the title. It ensures that you have clear and undisputed ownership of your property.
How does the closing process work?
The closing process involves verifying the title, preparing documents, collecting necessary payments, and finalizing the transaction. Empire Title Services ensures everything is legally sound and runs smoothly so you can close with confidence.
What does a title search include?
A title search checks public records to confirm the property’s legal ownership and uncovers any claims, liens, unpaid taxes, or disputes that could affect the sale.
Who pays for title insurance—the buyer or the seller?
This depends on the location and the contract negotiation. In some areas, the seller covers the cost, while in others, the buyer does. Our team can guide you on the best approach based on your situation.
How long does the title search and closing process take?
A typical title search takes a few days to a week. The full closing process usually takes between 30-45 days, but we work efficiently to close as quickly as possible.
What’s the difference between lender’s title insurance and owner’s title insurance?
- Lender’s title insurance protects the mortgage lender’s interest in the property.
- Owner’s title insurance protects you, the buyer, from future claims or disputes regarding ownership.
What happens if a title issue is found during the title search?
If an issue is discovered, our team works to resolve it before closing. This may involve clearing unpaid liens, resolving ownership disputes, or correcting filing errors.
Can I choose my own title company?
Yes! As a buyer, you have the right to choose your title company. Empire Title Services is Always Ready, Always YES!—offering fast, reliable, and secure title services to make your closing stress-free.
How much does title insurance cost?
The cost varies depending on the property’s purchase price and location. Contact us for a personalized quote, and we’ll break down your closing costs in detail.
How do I start the title process with Empire Title Services?
It’s easy! Simply contact us through our website or give us a call  at 765-935-9966. We’ll handle everything from the title search to closing, making the process seamless for you.
