Quick Answer
Since Texas regulates basic title insurance rates, all licensed title companies charge the same base premium. The differentiator is experience, service, and capabilities. Look for a Texas title company with specific experience in your type of transaction, whether that is residential, investor, commercial, or creative finance.
Because Texas title insurance rates are set by TDI, the base premium is the same at every licensed title company. This means you choose a Texas title company based on experience, service, and expertise rather than price.
Key Factors to Consider
- Transaction Experience: Does the title company regularly handle your type of transaction? Residential, investor, commercial, and creative finance each require different expertise.
- Communication: Is the team responsive? Do they answer questions clearly and promptly?
- Closing Capabilities: Can they handle in-person, mobile notary, or remote online notarization closings?
- Complex Transaction Experience: For difficult deals, does the title company have underwriting support and experience working through title issues?
Why Experience Matters in Texas
Texas has unique property laws including homestead protections, community property rules, and specific title insurance regulations. A title company that understands these Texas-specific issues can help avoid delays and problems. For a broader perspective on why experience matters, read why experience matters when choosing a title company.
Questions to Ask Before Choosing
- How long have you been operating in Texas?
- Do you handle my type of transaction regularly?
- Who will be my primary point of contact?
- Do you offer remote closing options?
- How do you handle title issues that arise during the search?
1st Option Title in Texas
1st Option Title serves Texas from our Garland office, handling transactions across all 254 Texas counties. Brandi Lemons, our Director of Operations, is a Senior Escrow Officer with over 10 years of title experience. Scott Horne, our founder, is a Dallas attorney with 35 years of experience, approximately 10,000 creative-finance transactions, and 2,500+ single-family homes closed.
Property Research Before You Choose
Before you buy, before you invest, know more about the property. 1st Option Title offers free Property DNA Reports that provide comprehensive property research information.
FAQs
Can I choose any title company in Texas?
Generally, yes, but the purchase contract may specify which party has the right to choose the title company. Check your contract and consult with your real estate agent or attorney.
Does the same title company handle both title and escrow in Texas?
Yes. Most full-service Texas title companies provide both title and escrow services for real estate transactions.