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The Federal Title Difference

Federal Title is an attorney driven title company. As the closing industry changes, we believe that one thing should remain the same: serving your best interests. Federal Title has been independently owned and operated since 1996 with the mission that we serve the consumer by offering the best service at an unbeatable price. Nearly three decades later, that mission holds true. If you want to speak with us about an upcoming closing, or have any questions about a real estate transaction, give us a call.

Contact an attorney.

Speak with a real estate attorney at (202) 918-9358 or email attorneys@federaltitle.com.


    Federal Title & Escrow Company

    We’re an independent title company, consumer-centric, delivering the best service at the best rates. We avoid marketing practices that tack on unnecessary closing costs, which translates into significant closing cost savings for homebuyers and sellers throughout DC, Maryland and Virginia.

    Latest From Our Blog

    Legal Update: Maryland requires testing for private water systems

    Legal Update: Maryland requires testing for private water systems

    Important Update for Maryland Real Estate Transactions: Understanding MD Code, Real Property § 10-713 – Water Quality Testing as a Condition of Sale It is important to ensure that real estate transactions comply with the latest regulations pursuant to Maryland Code, Real Property § 10-713 . Effective October 1, 2024, § 10-713 mandates water quality […]

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    Homebuyers Alert! Title Defects Without Coverage

    Are title defects covered? The cost of owner’s title insurance can surprise many homebuyers, tempting them to waive coverage without having a clear understanding of its protections and the ramifications of leaving the closing table without it.  Many homebuyers wrongly assume that title defects are expected to be uncovered by the title company, and […]

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    Clearing Up Confusion

    Clearing Up Confusion

    There have been many changes in our industry recently.  Today we came across an article by Jeff Ehrlich clearing up confusion about the recent media release issued by the Office of the Attorney General for the District of Columbia.  It is worth taking a few minutes to read through the post to understand how it […]

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    FAQs

    What does a title company do?

    Your local title insurance company will conduct an extensive search of public records, known as a title search, to verify the seller’s legal right to transfer ownership to the homebuyer. The purpose of the title search is to discover title claims or defects (a.k.a. “clouds”) that limit the homeowner’s right in transferring the property.

    Once a title company has reviewed the record and confirmed a clean chain of title, it will issue an owner’s title insurance policy to the homebuyer. For a one-time fee, this policy protects the homebuyer’s down payment along with any mortgage payments made or funds invested into the property should a title matter arise down the road.

    Approximately 1/3 of properties have a title issue arise, usually at time of sale or refinance, however most homeowners never hear about it because their owner’s title insurance policy covers them.

    Who chooses the title company?

    It is the legal right of the homebuyer to choose the title company in DC, Maryland and Virginia. The custom may vary in other jurisdictions.

    Homebuyers who shop title fees and service ratings tend to have better experiences at the closing table.

    Does it matter which title company I choose?

    We certainly think so, and most consumers would agree.

    The title company is supposed to be an unbiased third party primarily looking out for the best interests of the homebuyer.

    Sometimes, real estate brokerages will purchase a title company or real estate agents will create joint ventures with a title company, which not only eliminates the unbias element of an independent third-party, replacing it with a significant conflict of interest, these arrangements tend to jack up closing costs for consumers.

    Whatever title company you choose, make sure you choose an independent title company for your real estate settlement. And if you value exceptional service and low fees, consider choosing Federal Title as your closing services provider.

    How do I compare title companies near me?

    For starters, go to the websites of local title companies and get a quote. Most have an online quote tool now, although Federal Title was the first.

    Second, understand there are 3 types of costs that appear on a title company quote. They are title fees, title insurance premiums and taxes. Taxes are the same across the board. Title insurance premiums are generally the same across the board because they are filed with DC, Maryland or Virginia. However, title insurance underwriters may file different rates in an effort to compete with each other. Depending on the title insurance underwriter, a title company quote may show some variance in the title insurance premium. You can also ask the title company if they use a title insurance underwriter with a lower title insurance rate on file.

    Where you’ll find the most significant variance is in the title or settlement fees. Federal Title’s settlement fee is all-inclusive, but most title companies itemize and nickel and dime. Tabulate all the fees in the title company quote for a real apples-to-apples cost comparison of local title companies.

    Finally, note how many other title companies you encounter are as transparent about their fees as Federal Title. We sincerely encourage you to shop fees among local title companies, because we believe in providing excellent service at a competitive price.

    Can I close remotely with a title company?

    These days consumers expect every aspect of their real estate transactions to be digitized. The industry is moving that way but hasn’t fully converted. Sellers and all-cash buyers, plus borrowers with lender approval, can close remotely with Federal Title attorneys.

    Legislation to permit remote closing (a.k.a. digital closing) nationally has already passed the House, and we anxiously await passage in the Senate as of summer 2022 so we can begin offering remote closings to all.

    Have questions? We’d love to hear from you! Contact Us

    Closing Costs Explained…

    Closing costs include taxes, lender fees and title company fees that a homebuyer pays at settlement. Watch this video to prepare for the homebuying process.