What does a
Florida title company do?
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The typical home-buying process can be such a whirlwind that by the time you need a closing agent, you’re ready to get it done. You’re ready to be moved, settled, and in your new home - we get it! At Flamingo Title Services, we want to celebrate your new home with you, but we’re also here to protect you, your family, and your investment every step of the way. While you’re excitedly packing your boxes and mentally decorating your new home, we:
Complete an in-depth title search;
Issue a comprehensive title policy;
Carefully walk you through the closing process; and
Record the paperwork to officially “seal the deal.”
In-Depth Title Search
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When closing on your home with us, you can be confident that you are the true and rightful owner of your property. You’ve done all of the work to find your dream home; you deserve to rest assured that no one else has a claim to the title, because, although it sounds like a bad horror movie, that can happen! Before you ever arrive at the closing table, we put your title through a rigorous, multi-point inspection, so there are no surprises. Our closing agents perform:
A thorough exam to make sure the person selling the home is the owner;
An investigation of any unpaid balances, including:
Mortgages
Mechanic liens
Outstanding judgments
Pending foreclosures
A careful property survey to eliminate concerns of:
Encroachments
Rights of access
Easements
Rights of way
In the event that we find any clouds in the title, we will help to clear it up so you can successfully close on your new home.
Comprehensive Title Policy
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Our detailed title search typically identifies and even clears up any discrepancies regarding the rightful ownership of the property. Once in a while, however, there is an unforeseen cloud in the title that even we cannot find. Rarely, homeowners will come across a filing error from before the electronic era, forgeries, or even an undisclosed heir years after they’ve purchased their home. Although we hope this never happens to you, and we work exceptionally hard to avoid it, these are the types of disputes where the owner’s title insurance becomes invaluable.
If you are using a lender to finance your home, they will require that you protect their financial investment through what is known as a “loan policy of title insurance.” However, this does not protect you, the home buyer, and only protects the lender. We highly recommend investing in a policy to protect yourself, as well. For a one-time investment, you are protected for the entire time you and your heirs own the home.
Client-Centered Closing
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Purchasing a home is often the most significant investment a homeowner will make, which explains why so many new homeowners walk into our office full of excitement and anxiety. Your closing day will mark the beginning of an exciting new chapter of your life, and our mission is to ensure that your closing experience kicks the journey off with a celebration.
After being welcomed by our resident flamingo, “Pepito,” and refreshments meant just for you, we’ll carefully walk you through each page of the prepared documents. Although we have completed countless successful closings, we don’t expect you to know or understand everything on the pages. Don’t worry, we will patiently explain each form until you’re comfortable. Our mission is to help you feel relaxed and confident throughout the home closing experience. After all, today is all about you!
THE FLAMINGO DIFFERENCE
Let Us Answer Your Questions
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Whether you’re a first-time homebuyer or you’ve lost track of the number of home closings, we all have questions! Today is the perfect day to learn - try our Resource Center!
Featured
Unless you are knowledgeable about tax laws, you’re likely wondering what FIRPTA is and how it works. Don’t worry; you aren’t alone. We’re here to help you understand all of the ins and outs of FIRPTA in real estate: