Residential Title and Escrow Services

Send an email to info@thomastitle.com with the following information:

1. The legal description(s) or parcel number(s) of the property to be researched/insured
2. For a purchase, include the name of the parties buying and selling the property and the purchase price
3. For a refinance, include the name of the borrower, the lending institution and the loan amount and
4. Your contact information.

Send an email to info@thomastitle.com with the following information:

1. Type of transaction (purchase or refinance; commercial or residential)
2. Purchase price and/or loan amount
3. Type of coverage (extended vs. standard, where applicable)
4. Type of policy (owners policy or lenders policy) and
5. Your contact information.

While policy types may differ by state, homeowner’s coverage is only available for residential transactions. Standard coverage provides coverage, among other things, for title defects that would be found in a search of the public records. Extended coverage provides standard coverage protections plus coverage for matters that would not be found in search of the public records. For example, defects discovered by inspection, problems uncovered by a survey and rights of certain parties that may be in possession of the subject property would be covered by an extended policy but not by a standard policy. Extended coverage is generally required by a lender for any transaction that involves lender financing. In Texas, there is only one type of policy available.

As an independent agent, we issue title insurance policies underwritten by national title insurance underwriters and the ultimate risk of loss is borne by the title insurance underwriter, not the issuing agent. In most jurisdictions, insurance underwriters issue their own title insurance policies in direct competition with their authorized agents. Our relationship with multiple national underwriters gives us the ability to provide clients with greater underwriting flexibility than any single title insurance underwriter could by itself. Title insurance premiums are the same whether you purchase through an independent agent or purchase directly from an underwriter.