#1 in Title Insurance throughout PA and Southern NJ!

1. Certain title insurance fees are mandatory and required by mortgage lenders

There are three title insurance fees that are mandatory and you should expect to see whenever you purchase or refinance real estate: the lender title insurance premium, lender endorsements and lender closing services letter. The only exception would be if you were purchasing real estate and paying cash. Otherwise, expect to see these fees whether you’re purchasing or refinancing real estate. READ MORE

In both Pennsylvania and New Jersey the homebuyer/borrower can choose their own title company.

The buyer/borrower has the right to choose any Title Company he/she would like to work with...the decision is not up to the Seller, Realtor or Bank.

Title insurance premiums are set by State Law, and vary depending on the type of purchase or refinance.

Example of PA title insurance rates for a purchase transaction:

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If you wait until the last minute to look for title insurance, you could end up paying hundreds of dollars in extra and unnecessary fees.

Start searching for a title insurance company when you start shopping for a lender. Allow yourself time to research a few companies to compare quotes. Be sure to ask if all fees are included in the quote. In Pennsylvania for instance, you should see charges for the title insurance premium, lender endorsement and lender required closing services letter. These fees are not optional and if they’re not part of your quote you’re either speaking with a title insurance company who’s not familiar with Pennsylvania or they’ve intentionally left the charges off to make their quote more attractive. In either case, you’d be better off selecting another company.

A good title insurance company could be the difference between a smooth seamless settlement and utter chaos.

In addition to conducting settlement and insuring that all liens and judgments affecting the property have been satisfied, a full service title company will coordinate your purchase or refinance with your real estate professional, mortgage lender and attorney. Best of all, these services are included in the premium you pay for title insurance so you shouldn’t expect to see any other administration or service fees.

• Don't place an offer on a house without giving thought to Title Insurance. Timing is important. If you wait until the last minute, you're more likely to go with your real estate agent's or lender's recommendation, which will most likely cost you extra money. READ MORE

Title insurance is mandatory on both real estate purchases secured by a mortgage and mortgage refinances. Only if you pay cash in full for your house, then title insurance is not required.

Title Insurance is a specific type of insurance required by every mortgage provider when you purchase or refinance a home. Title insurance, paid in a one-time fee, protects the mortgage lender in the event of a dispute over the property's rightful owner. Think of it as assurance rather than insurance. Title insurance assures the lender (and you the buyer) that if another party comes forward claiming to have rights to your property, you are protected. You will not have to pay for litigation to resolve any related dispute about the ownership of the property.