A Title Company Built Around Lender Deadlines
Lenders cannot afford a title partner that creates another follow-up problem.
Our closing process is designed around the information loan teams need most: accurate title requirements, clear communication, secure fund handling, coordinated documents, and prompt notice when an issue could affect funding.
Title Company of Florida works directly with loan officers, processors, underwriters, borrowers, Realtors, and authorized transaction parties so your team knows where the file stands.
Lenders Work With Us For:
- Fast title order intake
- Thorough title search and examination
- Clear title commitments
- Lender’s title insurance
- Secure escrow and funding coordination
- Closing Disclosure support
- Purchase and refinance closings
- Recording and post-closing coordination
- Statewide service across Florida
- One responsive closing team
Send Us Your Next File
Open a Florida title order and send your transaction details directly to our closing team.
Complete Florida Title Services for Lenders
One title company can coordinate the title, escrow, settlement, and recording requirements behind the loan.
Title Search & Examination
Our title searches review available property and public records to identify issues that could affect ownership or lien priority.
Potential title defects may include:
- Unreleased mortgages
- Judgments and liens
- Unpaid taxes
- Ownership discrepancies
- Probate-related issues
- Errors in prior deeds
- Foreclosure-related matters
- Recorded restrictions or encumbrances
The title examination determines the requirements that must be addressed before the applicable title policy can be issued.
Title Commitments
We prepare title commitments for eligible transactions and communicate requirements that may affect the loan or closing timeline.
Early identification gives lenders and borrowers more time to resolve issues before they become funding-day problems.
Lender’s Title Insurance
A lender’s title insurance policy protects the insured lienholder against certain covered losses arising from title defects, competing ownership claims, lien-priority issues, and other matters covered under the policy.
The policy protects the lender’s interest. It does not replace an owner’s title insurance policy for the borrower.
Escrow Services
Our escrow services support the secure handling of funds connected to eligible real estate transactions.
We coordinate:
- Earnest money
- Borrower closing funds
- Lender proceeds
- Mortgage payoffs
- Settlement charges
- Recording fees
- Authorized disbursements
Wire instructions and fund transfers are handled through established verification procedures designed to reduce fraud risk.
Closing Protection Letters
Closing Protection Letters may be issued for eligible transactions based on the applicable underwriter and closing requirements.
Lenders can request the required CPL when opening the title order so it can be coordinated with the file.
Coordinate Your Lender File
Choose the service your transaction needs and connect with our Florida title and closing team.
Compliance-Focused Settlement Services
Mortgage closings require more than fast paperwork. Fees, disclosures, escrow handling, title insurance, and lender instructions all have to work together.
Our team coordinates applicable TRID and RESPA-related closing requirements with lenders and their authorized parties while preparing the settlement side of the transaction.
Closing Disclosure Coordination
We work with loan teams to coordinate applicable title and settlement charges for the Closing Disclosure and identify discrepancies before closing whenever possible.
Clear fee coordination helps reduce last-minute balancing problems and unnecessary closing delays.
Secure Escrow Handling
Escrow funds are handled through established accounting and verification procedures appropriate to the transaction.
Our team maintains clear transaction records and coordinates disbursements according to authorized settlement and lender instructions.
National Underwriter Relationships
Title Company of Florida works with established national title insurance underwriters, including:
- Fidelity National Title Insurance Company
- Chicago Title Insurance Company
- First American Title Insurance Company
- Old Republic National Title Insurance Company
These relationships support eligible owner’s and lender’s title policies throughout Florida.
A Closing Process That Works With Your Loan Team
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Open the Title Order
Send us the contract, borrower information, property details, loan information, and applicable lender requirements.
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Complete the Title Search
Our team reviews the property records and begins the title examination.
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Issue the Title Commitment
Applicable requirements are identified and communicated to the parties involved.
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Coordinate the Loan and Settlement
We work with your loan officer, processor, Realtor, borrower, seller, and authorized parties to coordinate payoffs, documents, escrow funds, and settlement figures.
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Prepare for Funding
Closing disclosures, lender documents, signing instructions, title requirements, and funding conditions are coordinated before closing.
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Close, Record & Disburse
After authorized conditions are satisfied, documents are recorded with the appropriate Florida county and funds are disbursed according to the final instructions.
Post-closing work continues through final title policy processing and applicable recording confirmation.
Purchase and Refinance Loan Support
Our lender title services support a wide range of eligible financing structures.
Conventional Purchase Loans
We coordinate title, escrow, settlement, and recording requirements for financed residential purchases.
Refinance Loans
Rate-term and cash-out refinance loans require accurate ownership verification, lien review, payoff coordination, and updated title work.
Our team works with lenders and borrowers to keep refinance files moving efficiently.
Investment and Private Lending
We support eligible investment property loans, rental acquisitions, bridge transactions, and other closings involving private lenders.
Specialized loan structures can be submitted for review so our team can confirm the title and settlement services available.
Government and Conforming Transactions
Our team can coordinate eligible transactions involving conventional financing and loan programs subject to lender, Fannie Mae, Freddie Mac, FHA, VA, and other applicable requirements.
Protect the Lender’s Interest Before Closing
A title issue identified too late can threaten funding, lien position, or the closing date.
Our team focuses on finding and communicating problems early.
Common issues that can affect lender files include:
- Existing mortgages that were never released
- Judgment or tax liens
- Incorrect vesting
- Probate and estate issues
- Prior deed defects
- Missing payoff information
- Recording discrepancies
- Association or municipal matters
- Unexpected ownership claims
When a requirement appears, we coordinate with the appropriate parties to help move the file toward resolution.
Florida Title Services Across All 67 Counties
Title Company of Florida is based in Jacksonville and provides lender title services throughout the state.
We support real estate closings in Jacksonville, St. Augustine, Ponte Vedra Beach, Nocatee, Palm Coast, Orlando, Tampa, Fort Lauderdale, Miami, Naples, Sarasota, Tallahassee, and communities across every Florida county.
Depending on the transaction, closing options may include:
- In-office signing
- Mobile closings
- Remote Online Notarization
- Mail-away closings
- Mobile notary coordination
This makes it easier to close loans when borrowers, sellers, and lenders are in different locations.
Choose a Florida Closing Location
Review the available signing and closing options for transactions throughout Florida.
Frequently Asked Questions
What does lender’s title insurance protect?
Lender’s title insurance protects the insured lender against certain covered title risks that could affect its mortgage or lienholder interest. The specific protection is governed by the terms, conditions, exceptions, and exclusions of the title policy.
How quickly can I receive a title commitment?
Turnaround depends on the Florida county, property history, title search complexity, and record availability. Send us the property information and closing timeline for current processing expectations.
Who pays for lender’s title insurance in Florida?
The borrower commonly pays the lender’s title insurance premium as part of financing-related closing costs, but responsibility ultimately depends on the contract, loan terms, and applicable transaction requirements.
Do you handle refinance title orders?
Yes. We provide title search, title commitment, lender title insurance, payoff coordination, escrow, settlement, and recording support for eligible refinance loans throughout Florida.
Send Us Your Next Florida Title Order
Your title partner should make your loan team more efficient, not create more work.
Title Company of Florida gives lenders one responsive team for title search, title commitments, lender’s title insurance, escrow, settlement services, closing coordination, and recording across all 67 Florida counties.