Definitions

Understanding Title Fees with Trilogy Title Agency

At Trilogy Title Agency, we believe in full transparency. Below is a breakdown of common title-related fees and what each one covers. These fees may vary depending on the complexity of the transaction, property location, and transaction type (purchase or refinance). We’re always happy to answer any questions to help you understand the value behind each service.

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Showing Insurance Premium papers

Title Insurance Premium (Owner’s and Lender’s Policies)

Title insurance protects against future claims or legal fees that may arise from disputes over property ownership.

Owner’s Policy:

Typically paid by the seller, this protects the buyer’s ownership rights.

Lender's Policy:

Required by most lenders, this protects the lender’s interest in the property.

Title Fees Explained

Settlement Fee / Closing Fee 


This fee covers the cost of facilitating the closing process. It includes preparing the closing documents, managing the funds, coordinating with all parties, and overseeing the final signing.

Title Examination / Abstract Fee 


A fee paid for the thorough review of public records to trace the property’s title history. This process helps identify any issues—such as liens, unpaid taxes, or ownership disputes—that need to be resolved before closing.

Title Commitment / Binder Fee

A preliminary report issued before closing that outlines the conditions under which the final title insurance policy will be issued. It provides all parties with an overview of any title issues that need to be cleared.

Recording Fee


Charged by the local county office, this fee covers the cost for officially recording the deed and/or mortgage, so they become part of the public record.

Courier / Overnight / Wire Fees


These fees cover the cost of securely transferring funds and sending documents between parties, lenders, and counties, either digitally or through overnight delivery services.

Notary Fee 


If a mobile notary is used or a signing takes place outside of our office, this fee covers the cost for the service of having your documents legally notarized.

Cybersecurity Fee

This fee pays to safeguard your transaction against cyber threats, wire fraud, and data breaches. It covers the costs of maintaining secure digital platforms, encryption technologies, multi-factor authentication.

Have Questions? We’re Here to Help 


If you have any questions about your title fees or closing costs, don’t hesitate to contact the Trilogy Title Agency team. We believe in clarity, communication, and making sure you feel confident every step of the way.

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