How to Choose a Title Company_ What to Look For
                     How to Choose a Title Insurance and Settlement: What to 
Look For 
 
If you're buying a home or refinancing, finding a good title company is one essential step in the 
process. 
 
A title insurance company does the legwork to ensure a homeowner can legally sell you (the 
buyer) a piece of real estate. First, the company goes through legal records to try and see who 
owns the home and search whether the property has liens against it. Then, if everything checks 
out, the title company issues title insurance for that property. 
 
Knowing how to choose a title company can help you make sure you have the right to buy your 
dream home. Here's what to know. 
 
What does a title company do? 
As we mentioned, a title insurance company searches through public records to determine if 
the person selling you the home is the rightful owner. The company also looks for debts or 
judgments against the property that could become your responsibility as the new homeowner.  
 
For example, let's say the previous homeowner didn't pay their contractor for work done on the 
house. If you buy the home without knowing about this, you could be legally responsible for 
that debt. A title company would catch this before you close on the property. 
 
In addition to searching public records, a title company also: 
 
- examines the home's title history 
- orders a property survey (if one isn't already on file) 
- handles the paperwork and disbursement of funds at closing 
- Issues title insurance policy Title companies usually work with real estate agents, lenders, and 
attorneys. But you can also contact a title company directly if you're buying or selling a home 
without an agent. 
 
Picking the right title company is essential because this process is what protects you from any 
legal issues that could arise after you buy your home. For example, let's say the previous owner 
didn't disclose a lien on the property before selling it to you. If you have title insurance, your 
title company would be responsible for taking care of that debt, not you. 
 
 
 
 
How do I choose a title company? 
Now that we've answered the question, "What is a title company and what do they do?" it's 
time to learn how to choose a title company that will work best for you. 
 
Here are a few things to keep in mind: 
- Make sure the title company is licensed to do business in your state. 
- Ask for recommendations from your real estate agent, attorney, or lender. 
- Once you have a few companies in mind, ask for bids from each. 
- Compare the services offered and the fees charged. 
- Ask about their experience with your type of transaction. 
- Make sure they have good customer service and are easy to communicate with. 
- Read online reviews from past customers. 
 
When you're ready to buy a home, researching the right title company is an essential step in 
the process. By following these tips, you can help ensure a smooth transaction and avoid any 
legal issues down the road. 
 
Where to Find the Best Title Company in New Jersey? 
Main Street Title Agency is a clear choice if you're looking for the best title company in New 
Jersey. We offer a wide range of title and settlement services. We have years of experience in 
the industry, and our team is dedicated to providing our clients with the highest level of service 
every step of the way.  
 
Contact us today to learn more about what we can do for you!