About Us

main street title agency at your service

A home is one of the most important and expensive investments you will ever make. We make the home-buying process easier. We have successfully performed Real Estate closings for buyers, sellers, and lenders for over 18 years. We make every effort to ensure that your closing is handled without any complications, keeping the transaction as stress-free as possible.

Main Street Title Agency understands that real estate transactions can be costly for both buyers and sellers. We provide competitive closing and representation costs, and will gladly provide you with a written closing cost estimate anytime. You can click here to see what your standard closing costs will be. Contact us to assist you during the Home Buying Process.

coverage areas

We cover the State of Florida and Missouri.

Professional service

We offer professional service with a hometown feel. Always on time, honest and friendly.

Why do i need title insurance?

what is title insurance?

Title insurance is a form of indemnity insurance that protects lenders in homebuyers from financial loss, sustain from defects in a title to a property. The most common type of title insurance is lenders, title insurance, which the borrower purchases to protect the lender. The other type is owners title insurance, which is to protect the buyer/borrower(s) equity in the property.

A clear title is necessary for any real estate transaction. Title companies must do a search on every title to check for claims or liens of any kind against the property. A title search is an examination of public records to determine and confirm a property's legal ownership and determine whether there are any claims on a property. Erroneous, surveys and unresolved building code violations are two examples of blemishes that can make the title “messy.”

Your owner’s title policy covers the following hazards:
- Ownership by another party
- Incorrect signatures on documents
- Forgery and fraud
- Flawed records
- Restrictive covenants
- Encumbrances are judgments against Property, such as outstanding lawsuits and liens.

The buyer/borrower(s) must purchase the lender's title insurance policy at closing. All lenders require the borrower to do so, to protect the lender in the event that the seller was not legally able to transfer the title of ownership rights. A lenders policy only protects the lender against loss. An issued policy signifies the completion of a title, offering some assurance to the buyer.

Title searches are not in fallible, and the owner remains at risk of financial loss, so there was a need for additional protection in the form of an owner's insurance policy. The lender title insurance is required for you to get your mortgage loan, owners title insurance, which is purchased at closing to protect the borrower against defects in the title, is optional.

At Main Street Title Agency we only use the best title insurance underwriters.