LENDER SERVICES

Citizens Title Agency provides comprehensive title, escrow, closing, and post-closing services for mortgage lenders and professionals throughout Florida and New Jersey.  We understand that lenders depend on accurate title work, regulatory awareness, responsive communication, proper document execution, secure handling of funds, and timely recording.

Our experienced team works closely with lenders, mortgage professionals, borrowers, sellers, real estate professionals, attorneys, associations, municipalities, and other parties to keep each transaction organized and moving toward a successful closing.

Citizens Title Agency works collaboratively with lenders to coordinate applicable title and settlement figures, documents, and closing requirements within the lender’s established disclosure and closing process.

Our title, escrow, closing, funds-handling, and information-security procedures are designed to support applicable legal, regulatory, underwriting, and lender requirements.

Citizens Title Agency maintains professional policies and procedures informed by the American Land Title Association’s Title Insurance and Settlement Company Best Practices.

We maintain open communication with lenders and mortgage professionals throughout the transaction. Our team provides timely updates concerning title status, outstanding requirements, payoffs, scheduling, funding, recording, and post-closing matters.

Every loan and property presents different requirements. We tailor our coordination to the lender, borrower, property, loan program, title conditions, and scheduled closing date.

Citizens Title Agency issues title insurance policies through respected national underwriters, including:

• Old Republic National Title Insurance Company
• WFG National Title Insurance Company

Our underwriting relationships provide access to experienced underwriting support, title resources, and title insurance products for eligible residential and commercial transactions.

All title insurance coverage is subject to the policy issued and its covered risks, exclusions, exceptions, conditions, endorsements, and limits.

Citizens Title Agency coordinates title and settlement services for:

• Conventional purchase loans
• FHA-insured loans
• VA-guaranteed loans
• Residential refinances
• Commercial purchases and refinances
• Investment-property financing
• Vacant residential and commercial land
• Construction-related transactions
• Trust and estate transactions
• Business-entity transactions
• Cash transactions requiring title and settlement services
• Transactions involving 1031 exchanges

Our services may include:

• Opening and reviewing the title order
• Conducting the property title search
• Examining title and identifying applicable requirements
• Preparing and delivering the title commitment
• Providing title and settlement fee quotes
• Coordinating lender title and closing requirements
• Obtaining mortgage, judgment, lien, and tax information
• Requesting mortgage and home-equity credit-line payoffs
• Coordinating municipal lien, permit, and association information
• Addressing applicable title-clearance requirements
• Preparing or coordinating settlement statements
• Coordinating figures for lender disclosures
• Preparing applicable title and settlement documents
• Reviewing trust, estate, and business-entity documentation
• Coordinating borrower and seller signing appointments
• Verifying document execution, notarization, and witnessing
• Receiving and safeguarding authorized transaction funds
• Disbursing funds in accordance with approved instructions
• Recording mortgages, deeds, and other applicable documents
• Issuing lender’s and owner’s title insurance policies through our underwriters
• Delivering recorded documents and applicable policy documentation
• Completing post-closing requirements

Our title searches and examinations are designed to identify matters that may affect ownership or the lender’s intended mortgage-lien position, including:

• Existing mortgages and home-equity credit lines
• Judgments and tax liens
• Construction or contractor liens
• Unreleased or improperly satisfied mortgages
• Ownership and vesting discrepancies
• Probate, trust, divorce, or estate-related matters
• Easements, restrictions, and access issues
• Deed and recording errors
• Municipal lien and permit matters
• Condominium and homeowners association requirements
• Other title defects or underwriting requirements

When an issue is identified, Citizens Title Agency works with the appropriate parties and underwriter to determine what must be completed before the title policy can be issued.

Our on-staff attorneys provide support for applicable title examination, underwriting, document, and curative matters. This support can help address unreleased mortgages, liens, ownership discrepancies, deed defects, probate matters, trust issues, and other title requirements that could affect the transaction.   The involvement of an on-staff attorney does not necessarily create an attorney-client relationship with a buyer, seller, lender, or real estate professional. Depending on the issue and the parties’ respective interests, a party may be advised to obtain independent legal counsel. 

Depending on the loan program, lender instructions, and document requirements, Citizens Title Agency may coordinate:

• In-office closings
• Approved off-site closings
• Mobile-notary signings
• Mail-away closings
• Approved remote online notarizations
• Out-of-state signings
• International signings with advance coordination

Citizens Title Agency provides title and settlement quotes for eligible purchase and refinance transactions.

A reissue credit may be available when acceptable evidence of prior title insurance coverage is provided and applicable requirements are satisfied. Eligibility depends on the property, prior policy, transaction, applicable rates, and underwriting requirements.

Citizens Title Agency disburses transaction funds after receiving the required documents, verified funds, lender authorization, and satisfaction of applicable funding conditions.

Disbursement timing may also depend on recording requirements, rescission periods, loan terms, transaction type, and applicable law.

We understand that certain transactions require an expedited response. Citizens Title Agency accommodates rush title and closing requests when the property, title conditions, underwriting requirements, and availability permit. Please contact us as early as possible so we can evaluate the requested timeline and identify any potential issues.

Over the past two decades, Citizens Title Agency has built lasting relationships with lenders and mortgage professionals through accuracy, responsiveness, professional coordination, and personal service. Whether you are financing a residential purchase, commercial property, investment property, vacant land, or refinance, our team is ready to support your transaction from title order through post-closing.

Contact Citizens Title Agency to request a title quote, submit an order, discuss lender requirements, or schedule a closing.