What is a Title Company?

When buying or selling a home, a title company researches the chain of title on your home and ensures that you receive or convey clean, clear title free from defects.

Who Chooses the Title Company?

Every part of the country is different, but typically the seller or buyer will choose the title company in the transaction.

What are the title companies' fees? 

Request a quote. Here is a link to our free fee calculator. The title company you choose should be able to provide this easily. Price comparisons can save you hundreds of dollars; however, many times you get what you pay for.

What Makes WCT Different?

World Class Title elevates the closing process beyond title by bringing safety, transparency, and a personal touch to the closing experience. You can trust World Class Title to save you time and stress while simultaneously adding a sense of security to the closing process.

Is WCT Investor Friendly?

Yes! We work with investors everyday.  Click here to find out if we can help you.

What is Dower?

​Certain states are considered dower States—Ohio is one of them. Dower is basically the right of a spouse to receive a life estate interest in one-third of any real estate owned by their spouse. 

If you are married and purchase, sell, transfer title, or refinance any real estate, your spouse must sign certain documents consenting to the transaction and releasing their dower interest. Signing such documents (usually consisting of the Deed, Mortgage, Truth in Lending, and Right to Cancel) is transaction specific. Each and every time a real estate transaction occurs, the spouse must sign. There is no general document that releases dower.

Dower is perpetual and can only be permanently terminated under two circumstances:

Death or Divorce.

If you are legally separated, your spouse will still have dower interest. Unfortunately, if your separation is not amicable, this can lead to problems with obtaining a spouse’s signature. This is a situation that should be considered prior to entering into any purchase/sale contracts.  Click here to find out if we can help you.

What is Title Insurance?

Title insurance is a form of indemnity insurance predominantly found in the United States which insures against financial loss from defects in title to real property and from the invalidity or unenforceability of mortgage loans. Source: Wikipedia

If you have a loan, you will be required to have title insurance. If you don't have a loan and you decline the insurance, should you have any claims to your title you could lose the property. It happens. It happened to Lincoln. Twice. Contact us with questions.

Does your lender/realtor have a financial incentive for you to use their title company?

Oftentimes these financial agreements (ABA or Affiliated Business Agreements) do not provide the best service or quality. They are often NOT in the best interest of you, the consumer.

In What States is WCT Licensed?

World Class Title is licensed to offer title insurance in Ohio, Pennsylvania, New Jersey, Kentucky, Indiana, Michigan, and Florida. Through our partners, we're able to service many more states. Click here to find out how we can help you.

Does WCT Work with For Sale By Owners?

Yes. If you decide to sell your home on your own, we can help. Paperwork and marketing can be daunting, World Class Title can help. Click here to find out how we can help you.

What Should I Bring to Closing?

State issued ID. Certified funds. Spouse (if married). Voided check. Any documents specific to the transaction. Contact us if unsure. Here is a short video also describing what you need to bring.

Who Regulates Real Estate Closings?

Residential real estate transactions are regulated by the Consumer Financial Protection Bureau (CFPB).

Digital, touchfree closings. What are they, how do they work?

We take your safety and that of our team very seriously. Check out our short video to see how we’re ensuring the safest closing process possible during COVID-19.

What are your closing fees?

You can find out what the closing fee would be by using our closing estimator.