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Can homeowners shop around for Title and Escrow services?

By Becky Hobbs


Yes, home buyers do have the right to select their title and escrow provider. Despite the requirement that title and escrow be explained to buyers and the fact that they sign a piece of paper acknowledging they have a right to use the provider of their choice, more than 90% of the time, the buyer just goes with who their advisor (real estate agent or loan officer or attorney) tells them to use, and accepts the pricing without question.

Some complexity around this area happens during the resale process, where the buyer and seller usually have different real estate agents. Depending on geography, either the buyer’s agent or the seller’s agent (typically the latter) gets to select the title and escrow provider, and sometimes there is sparring between the two of them as to which one to use.