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TITLE & ESCROW SERVICES

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You Can’t Close, without Clear2Close 

Welcome to Clear2Close


Clear2Close Title & Escrow, LLC is owned by licensed Florida real estate attorney Ryan S. Shipp, Esquire. We are your local full-service title insurance agency that proudly serves homeowners, lenders, investors, developers, attorneys, and real estate agents in the closing of both residential and commercial real estate transactions.

Our South Florida title company is located in Lantana, Florida. Our office provides title, closing, escrow, short sales, refinances, For Sale By Owner (FSBO), quit claim deed preparation, and private money lending services in Palm Beach County and throughout the State of Florida.

Closing | Settlement

Clear2Close Title & Escrow, LLC prepares and explains all documents required for your closing. We make sure that all requirements are met to provide insurable title, collect and pay all liens, conduct the closing with you, disburse the funds, and record your documents among the land records in the appropiate county. Our Lantana, Florida title company takes pride in providing low settlement fees. Let us provide you with a free quote.

Title Searches

Clear2Close Title & Escrow, LLC title searches include examinations of deed records and liens for the Florida county in which the property is located. Our normal geographical area of coverage includes Palm Beach, Broward, and Miami-Dade Counties. Please feel free to contact our office for surrounding counties. Request an online title search today!

Document Preparation

Clear2Close Title & Escrow, LLC prepares deeds for conveyance, necessary affidavits, promissory notes, security instruments, and other relevant documents necessary to facilitate your closing. We also assist with preparing affordable quit-claim deeds, life estate deeds, and enhanced life estate deeds for our clients.

In-House and Onsite Real Estate Attorneys 

Clear2Close Title & Escrow, LLC also has in-house, onsite, experienced licensed Florida real estate attorneys that review and approve all real estate transactions before they are closed. Our Florida real estate title attorneys have the ability to prepare any necessary or required documents or affidavits, review title, and advise the parties in order to facilitate the closing of your transaction. Additionally, our office assists with short sales, hard money lending for qualified Borrowers, and the interpretation and negotiation of contracts through our onsite real estate attorneys.

                    

 


Frequently Asked Questions

What Is A Florida Title Company And What Does It Do?
In any real estate sale or purchase transaction, the title company often plays an important part from the beginning of the process through the date that the transaction closes. Primarily, title companies assist sellers with transferring the title of the property to the new owner as well as helping buyers acquire title to real property. Title companies, such as Clear2Close, also perform title searches, remove defects and clouds on title, review and prepare closing documents, hold escrow deposits for buyers and sellers, coordinate the closing between all of the parties, and provide title insurance policies.

What Is Clear To Close?
For the title company, it's game time! Clear to close occurs when all conditions with a mortgage lender have been met and approved and the mortgage lender gives the title company the green light close. The title company will then coordinate the closing for the parties to sign-off on all the necessary paperwork to complete the transaction.

What Is Florida Real Estate Title? 
Real estate title is the formal right and evidence of ownership of a piece of real property. Real estate title gives the owner the right to possess and use the real property.

What Is Florida Title Insurance?
In Florida, the two main types of title insurance are the Owner's title insurance policy and the Lender's title insurance policy.

  • An Owner's title insurance policy protects purchasers of real estate against title defects that may exist on the real property. 
  • Lender’s title insurance policy insures the lender as to the priority of its mortgage lien. Simply put, this means that there are no other mortgages, liens or judgments that have priority over their mortgage.

Do I Need Florida Title Insurance?
Absolutely! Buying a title insurance policy is a routine step that all homebuyers should take before closing on real estate. As purchasing a home is the most important and expensive asset you will ever own, you need to be protected. As it is possible for defects to the title or liens on the property to remain unexposed at the time of closing, an Owner’s title insurance policy protects the property owner from these and other threats against the ownership and title of the real property.  Different from other types of insurance, title insurance is a one-time payment at closing and with coverage that lasts for as long as you own your home. 

How Much Does Florida Title Insurance Cost?
Florida title insurance rates are set by the Florida Department of Insurance. As such, a Florida title company cannot manipulate the rate. A Florida Owner’s title insurance policy and a Florida Lender’s title insurance policy are generally issued simultaneously, with the policy of lesser value having only a nominal premium rate.  Florida Title Insurance rates are listed as $ 5.75 per thousand for the first $100,000 and $5.00 per thousand above $100,000. The minimum charge for Florida Title Insurance for coverage is $100.00. For an accurate assessment of title insurance costs, let us provide you with a Free Quote.

Who Pays For Florida Title Insurance?
In Florida, whether the buyer or seller pays for title insurance traditionally varies by county, but can be negotiated in the purchase and sale contract. In general, the seller pays for the owner's title insurance policy and selects the title company in most counties throughout the State of Florida. However, in Miami Dade, Broward, Sarasota, and Collier Counties, the buyer traditionally pays for title insurance and chooses the title company.

What Is A Florida Title Search?
A Florida title search is an in-depth examination of the historical records concerning the title of the real property. This includes a review of deeds, court records, property and name indexes, and many other documents. The purpose of the title search is to verify the seller’s right to transfer ownership of the property to the buyer and to discover any claims, defects and other rights or burdens on the real property.

What Is A Florida Title Commitment?
A Florida title commitment is a preliminary document issued to a buyer and lender prior to closing, which states the conditions that must be met in order to issue a title insurance policy. The title commitment discloses the liens, defects, and burdens and obligations found during the title search that may affect title of the subject property. It also explains to what extent the coverage will be offered. 

Schedule A
Within the Florida title commitment, this is the information submitted to our title department to perform the title search. It contains basic information given to us by the buyer or real estate agent, including the legal description of the property, sale price, loan amount, and the name and marital status of buyer/seller.

Schedule B-Section 1
Within the Florida title commitment, this section contains the requirements that must be satisfied in order to issue the title policy and to provide clear title to the buyer and/or lender. Some of the requirements will be satisfied prior to closing, and others will be satisfied at closing and disbursement. Producers' Title will generally obtain the necessary information to satisfy these requirements, i.e., requesting payoff statements from existing lenders.

Schedule B-Section 2
Within the Florida title commitment, the Schedule B “exceptions” are items which are tied to the subject property. These include Covenants, Conditions and Restrictions (CC&Rs), easements, homeowner’s association by-laws, leases and other items, which will remain on record and transfer with the property. They are referred to as “exceptions” because the buyer will receive a clear title “except” that the buyer’s rights will be subject to conditions in the CC&Rs, recorded easements, etc.

What Is An Escrow Deposit?
An Escrow Deposit, which is also known as an Earnest Money Deposit, is money that a buyer puts down in accordance with the terms of the purchase and sale contract as a sign of good faith when purchasing a property.

What Happens During A Florida Real Estate Closing?
Although real estate closings can be done remotely, Florida real estate closings generally take place at the title and escrow company. The closing is the final step of the purchase and sale process where the transfer and closing documents are signed by the parties and the monies held in escrow are disbursed.

What Is For Sale By Owner (FSBO)? Fizzbo
A For Sale By Owner transaction, which is commonly referred to as FSBO for short, and prounounced Fizzbo, is the process where a Seller of real property sells their home to a Buyer without real estate agents or brokers involved in the process. This process can be beneficial in many aspects as it helps the Seller to maximize their profits at closing as commissions are reduced or sometimes completely eliminated. Our in-house, West Palm Beach Real Estate Lawyers at our parent company, the Law Office of Ryan S. Shipp, PLLC assist Sellers by providing legal representation throughout the entire FSBO process along with saving Sellers both time and money. 

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