Title Group of Tennessee is a full-service title company serving Middle Tennessee, including Dickson, Hickman, Humphreys, Houston, Cheatham, Davidson, Maury, Montgomery and Benton Counties.

Title Group of Tennessee offers the following services:

• Title Examinations
• Escrow Services
• Residential Closings
• Commercial Closings
• Deed Preparation
• Lender’s Title Insurance
• Owner’s Title Insurance
• Attorney Title Opinion Letters
• Notary Services
• Out-Of-Office Closings
• Seller Financing Closings & Document Preparation
• Current Owner Searches
• Pre-Signing of Documents
• Consultations on Pre-Closing and Post-Closing Questions/Issues
• Lien Searches
• Deed Restrictions
• Subdivision Information
• Witness Closings

What Is Title Insurance?

There are two different types of title insurance: lender’s and owner’s. These two types of insurance are different and serve to protect different people.

Here is a definition of each:

Lender’s title insurance protects a lender should any problem arise involving the title of a property. If you have a loan on the property, you will be required to purchase lender’s title insurance. Once a loan is paid off, the lender’s title insurance ends.

Owner’s title insurance, in contrast, protects a homeowner should any problem arise with involving the title of a property. Owner’s title insurance is not required when you buy a home, however, it is important you understand what you’re giving up if you opt not to buy it. Owner’s title insurance remains in effect so long as you or your heirs own the property.

How Much Does Title Insurance Cost?

 The cost of title insurance depends on the value of the home you are purchasing. It is a one-time premium that you pay when you purchase a home. Owner’s title insurance protects you and your heirs as long as you own the home.  

Do I Need Title Insurance?

Absolutely! A home is a huge investment. It’s important that you protect yourself from financial loss if problems should arise that call your ownership interest into question. Even with a thorough title search, issues can still arise. You want to protect yourself from the unknown. Title insurance will also pay for the cost of defending you against any covered claim.

What Do I Need To Bring To Closing?

It’s important that you come to closing prepared. You’ll want to bring identification, any closing funds, and any additional items your realtor or lender may have asked you to bring to closing.

Generally, only one form of identification is needed at closing, but there are some mortgage lenders that require two forms of identification be presented at closing. So, as a buyer, it’s best to be prepared and have two on you at closing.

In addition, if you’re bringing funds to closing, it’s important that you bring closing funds in the proper form. Here is our policy for closing funds:

• Personal checks are acceptable for amounts below $1,000.
• Cashier’s checks or certified closing funds are acceptable for amounts below $20,000.
• Wires are required for all closing funds of $20,000 and greater.
• Wires are required on all cash transactions.
• If you’re closing on another home prior to closing with us, you’ll want to contact us about having that title company wire us your proceeds.