What Does a Title Company Do in a Washington State Real Estate Transaction?

Buying a home in Washington State is exciting, but before you get the keys, a title company is working behind the scenes to ensure everything is legally sound. So, what exactly do they do?

Title Search – Protecting Your Investment

Before a home sale is finalized, a title company in Washington conducts a thorough title search to uncover potential issues, such as:

•  Past ownership records and legal claims

•  Unpaid property taxes or HOA liens

•  Easements or restrictions on the property

•  Confirming the seller has the legal right to sell

This prevents future disputes, like an unexpected heir claiming ownership.

Title Insurance – Your Financial Safety Net

Based on the title search, title companies in WA State may recommend title insurance, which protects the buyer and lender from financial losses if a hidden title defect appears after purchase.

Escrow Services – Keeping Transactions Secure

Title companies in Washington also act as escrow agents, holding earnest money deposits and documents securely until all conditions of the sale are met. This ensures funds are not released until everything is legally finalized.

Closing Coordination – Ensuring a Smooth Transfer of Ownership

At closing, the title company:

•  Collects and distributes all payments (including taxes and fees)

•  Ensures all documents are correctly signed and recorded

•  Works with lenders, realtors, and notaries to officially transfer ownership

Can You Choose Your Title Company in Washington?

Yes! While lenders typically recommend one, buyers may have the right to shop around and compare fees to find the best service.

Title companies play a critical role in real estate transactions in Washington State! Their job is to ensure a smooth, legally sound closing process.

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