Schedule An Appointment: Call (561) 408-0729 Fax: (561) 408-0731


When you originally purchased your home, you may not have known that you needed title insurance, or that a new policy is required when refinancing your home. Florida National Title Services can assist with the title insurance process. With our help, you can refinance quickly, and without problems, so you can enjoy all the benefits that refinancing brings. If you are ready to refinance; get started with Florida National Title Services today.

Why Do You Need Additional Title Insurance?

In a nutshell, title insurance ensures the validity of the mortgage and protects the buyer and lender against title defects and other issues. When you refinance, you are getting a new mortgage so you will need a new title insurance policy.

You don’t only need the new policy because you are getting a new mortgage, the new policy also protects against any events that occurred from the date of the original purchase to the time of refinancing. For instance, if you took out a second mortgage, the new policy will provide the lender with protection since a lot can change between the original financing and refinancing, making this protection particularly important.

How the Process Works

During the refinancing process, we research the property’s title extensively. First, we ensure that the person refinancing the home is indeed the person who owns the home. Then, we look for any issues, such as liens against the property.

After we conduct our research, it’s our job to work with everyone involved in the refinancing process. This includes the homeowner, lender, and the attorney. During the title process, we work with all involved parties to clear up any title defects if any are present.

Once the title is clear, we can issue it to the homeowner so that they can close on their new loan.

With years of experience, we have fine-tuned the title process, so you can expect to refinance quickly. We know you want to take advantage of a lower interest rate as soon as possible, so the idea of waiting a long time can seem unacceptable. Fortunately, we work swiftly so you won’t have to worry about a long wait with us.

The Right Choice for Refinancing

Florida National Title Services has helped countless people refinance, and we are ready to help you. If you want to refinance without the stress, we are the right choice. Contact us today, so we can get started on writing your title insurance policy. You will be ready to go to closing without any issues before you know it.

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We have the resources, knowledge, and experience to close our most important transaction – yours – in a timely and hassle free manner. We want all of our clients to have a pleasant home-buying, selling or refinancing experience.

Schedule An Appointment: Call (561) 408-0729 Fax: (561) 408-0731


There are two types of title insurance and both are designed to protect against losses arising through defects in title to real estate. The title insurance company agrees to provide the policy holder a legal defense if a claim against clear title arises.
  1. Owner’s title insurance protects purchasers of real estate against title defects that may exist against the property.
  2. Lender’s, or mortgagee’s, title insurance insures the lender as to the priority of its mortgage lien, protecting against other mortgages, liens, or judgments recorded prior to their mortgage.
There are a number of defects that a title insurance policy may protect against, some a matter of public record and some hidden, such as:
  • False Affidavits
  • Forgeries
  • Improperly Indexed Documents
  • Judgments
  • Liens
  • Missing or unknown heirs
  • Unpaid taxes
  • Unsatisfied mortgages
A title commitment is a precursor to a title insurance policy in that it discloses the current ownership, easements, restrictions and liens relating to a particular property or its owner, and what documents or other measures must be taken to assure a clean title.
Owner’s title insurance is never mandatory, but it would be foolhardy to purchase real estate without the protection title insurance affords.  A real estate acquisition is often a family’s most significant asset.  A claim against their title could render that investment worthless or severely limit use of the property.
A title insurance policy protects against documents that do not appear in the public records, such as prior deeds, liens, judgments, or documents that were missed by the title examiner.  Title insurance may also protect against encroachments that do not appear on a survey of the property
A title insurance policy does not cover defects that occur after the property is purchased. Policies often exclude easements, mineral and air rights.  Whenever a buyer or seller is concerned, they can always feel free to ask us for an explanation of all exceptions and how it may impact them.
Lenders will always require title insurance to protect their interest in the property. It is up to the purchaser to protect their own interests by obtaining owner’s title insurance.
Title Insurance premiums are promulgated by the State of Florida. Title insurance policies are paid in-full with a one-time fee which is part of closing costs.
Generally, local customs in the county in which the property is located determine who pays for title insurance and other closing costs, although it is negotiable between the parties in a purchase transaction. The responsibility is usually addressed in the contract for sale and purchase.
A lender’s policy is usually issued for the amount of the mortgage. It pays the lender if a problem surfaces.An owner’s policy covers the property’s full sales price and insures the owner against loss, including providing legal and investigative funds to resolve an issue.
A lender’s policy is usually issued for the amount of the mortgage. It pays the lender if a problem surfaces.An owner’s policy covers the property’s full sales price and insures the owner against loss, including providing legal and investigative funds to resolve an issue.
Many buyers take advantage of the title insurance contacts their realtor or mortgage broker have cultivated. We pride ourselves in working closely with numerous real estate agents, mortgage brokers and other lenders to assure a smooth and pleasant buying or refinancing experience.
Contact us for more information regarding title insurance.

WIRE FRAUD PREVENTION WARNING: Florida National Title does not accept, nor do we require, changes to wire instructions by email or fax. ALWAYS call our office to verify any changes. PLEASE WATCH THIS VIDEO FROM THE AMERICAN LAND TITLE ASSOCIATION FOR MORE INFORMATION.

Questions about title insurance and settlements? We have a library of fun and informative videos waiting to answer many of the most common questions that home buyers and borrower have. Check out topics including the TILA/RESPA Integrated Disclosure, preparing to buy or sell your home, getting a mortgage and more. If you have questions or would like more information based on any of these videos, contact us today!

Located at
250 S. Central Blvd., Suite 101 Jupiter, Florida 33458

Call us today at (561) 408-0729

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