Title search
Public records are reviewed for ownership history, mortgages, liens, judgments, taxes, restrictions, and other matters that may affect title.
Buyers & Sellers
A clearer way to understand your Florida closing.
Buying or selling property can feel complicated. Mariner Title Co explains what matters, what to expect, and how title, escrow, and closing fit together.
Plain-English guide
What happens before closing?
Title clearance
Items that must be resolved before closing are identified and coordinated with the appropriate parties.
Escrow and settlement
Funds, documents, settlement statements, signatures, recording, and disbursement are coordinated through the closing process.
What title insurance helps protect
Title insurance may help protect buyers and lenders from covered risks tied to ownership history, liens, recording issues, fraud, undisclosed heirs, and other title defects that may not be obvious before closing.
Coverage depends on the policy and the facts of the transaction. Your closing team can help explain available options and requirements.
- Unreleased prior mortgages or liens
- Errors in public records or legal descriptions
- Ownership disputes or missing signatures
- Fraud, forgery, or authority issues
- Unknown heirs or estate-related title matters
What to prepare
Simple checklist for a smoother closing.
Buyers
Be ready with identification, lender contacts, insurance information, funds verification, and confirmed wiring safety steps.
Sellers
Be ready with payoff information, association contacts, mortgage details, forwarding address, and authority documents if applicable.
Everyone
Verify wiring instructions by phone using a trusted number and ask questions before sending funds or signing documents.
Closing expectations
What to expect in a Florida closing.
Every transaction is different, but most closings depend on complete information, lender coordination, title clearance, verified funds, signed documents, recording, and disbursement.
Early file setup
Provide the contract, parties, lender information, association details, and any deadlines as early as possible.
Title and payoff review
Title, lien, mortgage, tax, payoff, and association items are reviewed and coordinated before closing.
Signing and funding
Before closing, confirm final figures, verify wiring instructions by phone, and bring required identification.
Have a closing question?
Our team can help explain the next step in plain English.