Residential
Whether you’re buying, selling, or refinancing your home, Simple Title is here to guide you through every step of the closing process.
Residential Title Services You Can Trust
We understand how overwhelming real estate transactions can feel—especially if it’s your first time or you’re navigating it on your own.
Our experienced team makes it simple. We handle the details, provide clear communication, and deliver a smooth, secure closing experience tailored to your needs.
I am Buying a Home
Purchasing a home is one of the biggest financial decisions you’ll make. We help protect your investment by:
- Conducting a thorough title search to confirm legal ownership
- Identifying and resolving any liens or encumbrances
- Issuing a title insurance policy to protect against future claims
In addition to title insurance, we provide full-service residential closings—guiding you through every step of the process with efficiency and care. We work closely with all parties involved, especially your lender, real estate agent, and attorneys to ensure a smooth, on-time closing.
Our one-time title insurance premium gives you lasting peace of mind—for as long as you or your heirs hold an interest in the property.
I am Selling a Home
We work closely with sellers to:
- Prepare all necessary closing documents
- Coordinate with the buyer and lender
- Resolve any title issues or liens before closing
- Ensure prompt disbursement of funds after closing
Our experienced team handles the entire closing process with care and precision. We coordinate title and closing services between your buyer,lender, and real estate agent to keep everything on schedule—and use secure digital tools to make the experience as convenient and efficient as possible.
We make the process seamless, so you and your buyer can move forward without delays or surprises.
I am Refinancing
Refinancing your mortgage also requires title work. We provide the same level of care and attention, ensuring:
- Quick turnaround times
- Accurate title commitments
- Secure escrow and fund handling
Our goal is to keep your refinance on track with minimal disruption.
- Full-service support on every transaction
- Timely and accurate title commitments
- Superior communication from our team
- Easy contract upload or drop-off options
- Mobile + online tools with real-time updates
- Top-tier secure fraud protection
You Deserve a Smooth Closing
Whether you're buying your first home, selling your current one, or refinancing, Simple Title is here to simplify the process, guide you every step of the way, protect your investment, and give you peace of mind.
Get in touch today and see how Simple Title makes closing easy.
Our Services
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.
Our Underwriting Partners
