FAQs

A title company plays two essential roles in every real estate transaction.
First, it issues title insurance policies that protect both the property owner’s rights and the lender’s interests, ensuring that ownership is clear and secure.

Second, it serves as an escrow agent, responsibly collecting and disbursing funds in a way that allows the transaction to close smoothly and the insurance policies to be issued accordingly.

A title search is a detailed review of public records related to a property. It identifies ownership history, outstanding liens, unpaid taxes, judgments, or other issues that could affect ownership rights.

Title insurance protects buyers and lenders from financial loss due to title defects such as undisclosed heirs, fraud, or recording errors. Lenders typically require it, and an owner’s policy provides peace of mind for buyers. It’s a one-time cost that protects you for as long as you own the home.

• Lender’s Policy: Protects the lender’s investment in the property.
• Owner’s Policy: Protects the buyer’s equity and legal rights.

We strongly recommend both for complete protection during and after closing.

Title insurance is regulated in many states and is based on the property’s purchase price and loan amount. At Trilogy, we provide a clear quote upfront with no hidden fees.

In most cases, the buyer chooses the title company. In fact, under Section 9 of the Real Estate Settlement Procedures Act (RESPA), a seller cannot require the buyer to use a specific title insurance company as a condition of the sale. If this provision is violated, the buyer may sue for damages. However, in practice, the party who selects the title company can vary depending on local customs, negotiations, or lender requirements.

Yes, you have the right to choose your title company when refinancing. Trilogy can handle refinance transactions efficiently and cost-effectively.

At closing, all final documents are signed, funds are distributed, and ownership is officially transferred. We coordinate every detail to ensure the process is seamless and stress-free.

Closing timelines can vary depending on several factors. A buyer’s or seller’s cooperation in providing required documents and information is critical to keeping the process on track. If the transaction involves a lender, the lender’s underwriting process will also play a key role in determining the closing date. With extensive experience in all types of closings, Trilogy Title Agency is equipped to manage the process efficiently and ensure your transaction closes on time.

In some cases, yes. However, mobile notary signings are much more prevalent. Additionally, Remote Online Notarization (RON) services also are available in certain circumstances, allowing you to complete your closing in the most convenient manner possible.

We’ll provide a closing disclosure with the final numbers a few days in advance. Be sure to:

• Review all documents.

• Arrange for certified funds or a wire transfer.

• Bring a valid photo ID.

Our team is here to guide you through each step.