Frequently Asked Questions.

There’s no such thing as a stupid question.

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Here’s a question for you. How nice is it to finally find titles services you understand?

How do I get started?

Contact us at 954.607.1192, email us at hello@titlezoom.com or use our contact form.

We’ll send you a quote that’s easy to understand within 24 hours.

If you decide to move forward, have your real estate agent or attorney write us into your contract as your title service provider. Send us the contract and we’ll take it from there.

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Where are you? Do you have a real office?

We’re online, because it’s easier for everyone, but we are fully headquartered in beautiful Fort Lauderdale, Florida.

Our team includes mobile closing agents who are notaries. They travel to you for your closing.

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How do I know TitleZoom.com is secure?

We keep customer and transaction information secure by exceeding the Title Insurance and Settlement Company Best Practices provided by the American Land Title Association (ALTA).

 

You can download those practices from their site here https://www.alta.org/best-practices/download.cfm?bestPracID=30&type=pdf.

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How do you transfer funds?

Most of our funds are transferred electronically through the bank. Occasionally, a physical check will be issued.

After your closing, we disburse funds to sellers electronically within 1 hour. We pay out commissions to brokers electronically within 1 hour, too. If you want, we can notify you by text that the funds have transferred (FYI – we also can text you as your preferred communication method for things like the status of your order, items needed from you, or an invite for your scheduled closing.)

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How much do TitleZoom services cost?

Our services cost $495. Not many others are lower. They might say they are, but ask them about wire fees, courier fees, and notary fees. We include those in your flat fee.

The $495 does not include the cost of the insurance premium, which depends on the cost of the property, taxes and other related fees.

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Do you work with real estate agents and brokers?

Yes, frequently. Just let us know who yours are and we’ll do the rest.

If you’re an agent or broker, contact us at 954.607.1192 to get started or use our form.

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What are title related closing costs?

These are the fees that are related to handling the settlement. On one side, you have the fees for the closing company to handle the transaction as a neutral third party. And, on the other side, there are fees related to clearing and ensuring clean title. An example of these fees are the policy premium, the endorsements, the search and examination. And, lastly there is the cost of the actual title insurance.

Other title related costs may include: recording fees, taxes, state stamps, lien search, HOA/COA Estoppel fees, and any HOA/COA charges

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What is the Butler Rebate? Why have I never heard of it before?

The Butler Rebate is a discount on title insurance that is applied at closing. It gives title insurance agents in Florida the ability to negotiate or otherwise rebate a portion of the title insurance premium.

You’ve probably never heard of it, because most title insurers don’t mention the Butler Rebate at all. We give the Butler Rebate to you.

Also, it was created as part of a Supreme Court case, and those aren’t always popular reading.

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What are all these policies? Do I really need all these?

There aren’t that many policies. We make it easy for you. You have a Lender’s Title Insurance Policy that covers the amount of the loan. (The loan amount is usually different from the full property value.) Your lender requires this.

Then, you have an Owner’s Title Insurance Policy, which protects your interest in the property. This is optional, but highly, highly, highly recommended, in case someone decides to say that’s their house.

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What is title insurance?

Title insurance protects you against anyone else’s claim of ownership or right to use your property.  It can cover legal costs with a few exceptions (lawyers always have their exceptions, don’t they?). We can explain what those might be in your specific case when you contact us.

This is not homeowner’s insurance for things like hurricanes or fires. This is only to protect your ownership.

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What is a title?

Title is, in a word, ownership. For a house or land, a title is the deed recorded with your town or county that says you own the house or land. It means you’re the owner of the property.

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