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Get in Touch with Simple Title
At Simple Title, we pride ourselves on being accessible, responsive, and ready to support you every step of the way.
Our team is local, experienced, and committed to delivering a seamless title and closing experience tailored to your needs.
Let’s Make Your Next Closing Simple
Have a question? Ready to start your transaction? Contact our team today—we’re just a call, email, or visit away.
Main Office
N16 W23233 Stone Ridge Drive
Suite 200
Waukesha, WI 53188
Our office is conveniently located in Waukesha, just off I-94—easy to find, with plenty of parking and a welcoming environment.
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Frequently Asked Questions
Title insurance is often mistaken for homeowner’s insurance, but they serve very different purposes. Homeowner’s insurance protects your property against future damage or loss, while title insurance safeguards you from past issues—such as defects or claims—that could affect the legal ownership (or “chain of title”) of your property.
There are three main types of title insurance coverage:
- Lender’s Title Insurance
- Owner’s Title Insurance
- Closing Protection Coverage
Purchasing a home involves a number of potential risks, which is why an Owner’s Title Insurance Policy is so important. This policy protects the buyer or homeowner from issues that may have occurred in the past and could affect the legal ownership of the property. These issues—often referred to as “defects in title”—can include things like false impersonation, forged deeds, deeds executed by minors or individuals of unsound mind, invalid documents signed under a power of attorney, deeds recorded after the death of the grantor, fraudulent marital status claims, unrecorded easements, and undisclosed heirs.
For a one-time, low premium, an Owner’s Title Insurance Policy offers protection against these and other hidden risks that may not surface until after closing.
Another valuable benefit: if you sell or refinance your home, you may be eligible for a discount of approximately 15% on your next title insurance premium, depending on the type of policy and transaction. Refinance and simultaneous issue loan policies are not eligible for this discount, but certain policies—such as a commercial loan policy charged off the rate card—may qualify.
The most commonly issued type of title insurance is the Lender’s Title Insurance Policy. This policy is typically required by lenders whenever you refinance or purchase a home using a mortgage. It ensures the lender holds the first and best lien position on the property’s title.
In the event of a loan default, if the lender needs to foreclose and sell the home, the policy protects the lender from any other claims or liens that might jeopardize their position. This means the lender is guaranteed to recover proceeds from the sale to satisfy the outstanding mortgage.
A common question is: “Why do I need to purchase a new Lender’s Title Insurance Policy when I refinance?”
The answer is that a Lender’s Policy only covers the specific loan it was issued for. Once that loan is paid off, the policy is no longer valid. So, when you refinance and take out a new loan, a new policy is required to protect the new lender.
Please bring two forms of identification to closing, one of which must include a photo ID.
If applicable, bring your funds to close in the form of a certified check made payable to Simple Title. For amounts over $10,000, a wire transfer is preferred.
Additionally, make sure to bring any documents requested by your title company, mortgage broker, lender, or realtor that may be needed for closing.
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