The seller often chooses
In many Florida transactions, the seller selects the title company when the seller agrees to pay for the owner's title policy. This is common, but it is not a universal statewide rule.
Closing and Property
Who picks the title company in Florida?
The answer often depends on the contract, local custom, county, and who is paying for the owner's title policy. A quick conversation upfront can prevent a last-minute closing surprise.
The buyer may choose
A buyer can negotiate to select the title company, but may also take responsibility for fees the seller would otherwise pay. Put the agreement clearly in the contract.
Local customs vary
Practices differ by county and contract form. Review the purchase agreement with your Realtor or attorney instead of assuming the custom is the rule.
Compare more than the name
Confirm title and settlement charges, insurance premiums, wire procedures, communication, and who is responsible for each cost. Real estate has enough plot twists already.
Written by Marta Lillard
25+ years of mortgage experience, explained in plain English.
Mortgage Broker · First Coast Mortgage Funding · NMLS #879436 · Licensed in Florida and Georgia
Questions about your options?