Question 1

What does a title company do in a Florida real estate closing?

Accepted Answer

A title company conducts the title search, issues title insurance, manages the escrow account, prepares closing documents, coordinates the closing table, and records the deed with the county. We act as the neutral third party ensuring every dollar and document is handled correctly.

Question 2

How much does title insurance cost in Florida?

Accepted Answer

Florida title insurance rates are regulated by the state and based on the purchase price. The premium is a one-time fee paid at closing — no annual renewals. For a $400,000 home, the owner's policy is approximately $2,075. Your Bell Land Title closer will provide an exact quote based on your transaction.

Question 3

What is the difference between owner's title insurance and lender's title insurance?

Accepted Answer

Lender's title insurance protects the mortgage company's investment and is typically required for financing. Owner's title insurance protects your ownership rights and equity in the property. Both cover issues like undisclosed liens, forged documents, boundary disputes, and recording errors that existed before your purchase.

Question 4

Can I choose my own title company in Florida?

Accepted Answer

Yes. Florida law gives you the right to select your own title company regardless of what a seller, realtor, or lender recommends. This is your closing — you should work with a company you trust.

Question 5

What is wire fraud and how do you prevent it?

Accepted Answer

Wire fraud in real estate occurs when a criminal intercepts closing communications and redirects funds to a fraudulent account. Bell Land Title uses multi-factor wire verification, encrypted communication channels, and AI-powered fraud detection on every transaction. We will never send wire instructions via email alone.

Question 6

Do you offer remote online notarization (RON) and eClosings?

Accepted Answer

Yes. Bell Land Title supports full eClosings, hybrid closings, and remote online notarization throughout Florida. You can sign documents from anywhere using digital identity verification — no need to appear in person unless you prefer to.

Question 7

How long does a title search take?

Accepted Answer

Most residential title searches are completed within 24-48 hours. Commercial and complex transactions may require 3-5 business days depending on the property's history. We provide same-day title commitments for standard residential transactions when needed.

Question 8

What areas of Florida do you serve?

Accepted Answer

Bell Land Title operates 10 offices across Florida — from West Palm Beach and Boca Raton to Orlando, Tampa, Melbourne, St. Augustine, and beyond. We close transactions in all 67 Florida counties plus Franklin, Tennessee through our Mason Lillie office.

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