{"id":707,"date":"2017-06-06T20:41:06","date_gmt":"2017-06-07T00:41:06","guid":{"rendered":"http:\/\/titlecompanywebdesign.com\/empiretitle\/?page_id=707"},"modified":"2017-06-06T20:41:06","modified_gmt":"2017-06-07T00:41:06","slug":"faq","status":"publish","type":"page","link":"https:\/\/cloud.titletapsites.com\/empiretitleservices\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"

[et_pb_section fb_built=”1″ fullwidth=”on” admin_label=”Section” module_class=”tt-header-default” _builder_version=”3.22″ background_color=”#a3a3a3″ custom_padding=”30px||30px|” custom_padding_tablet=”20px||20px|” custom_padding_phone=”10px||10px|” transparent_background=”off” padding_mobile=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” custom_width_px=”1080px” custom_width_percent=”80%” global_module=”650″][et_pb_fullwidth_post_title meta=”off” featured_image=”off” text_color=”light” _builder_version=”4.4.2″ title_font=”|on|||” title_font_size=”50px” title_all_caps=”off” parallax=”on” text_orientation=”center” custom_padding=”30px||30px|” title_font_size_tablet=”40px” title_font_size_phone=”30px” title_font_size_last_edited=”on|desktop” parallax_effect=”on” use_border_color=”off” border_color=”#ffffff” border_width=”1px” border_style=”solid”][\/et_pb_fullwidth_post_title][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|desktop” parallax_method_1=”off” parallax_method_2=”off” admin_label=”Section” _builder_version=”3.22″ background_color=”#f3f3f3″ custom_padding_tablet=”50px|0|50px|0″ custom_padding_phone=”” transparent_background=”off” padding_mobile=”off” make_fullwidth=”off” use_custom_width=”off” width_unit=”on”][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_row_inner admin_label=”Row” _builder_version=”3.25″][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Lorem ipsum” _builder_version=”3.27.4″ text_font_size=”16″ text_line_height=”1.8em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]<\/p>\n

What is a closing?<\/h3>\n

In a purchase, a closing is when the parties meet to sign all papers needed to transfer title of the property from the seller to the buyer. In a refinance, a closing is when the borrower signs the papers needed to put the new loan into effect.<\/p>\n

\n

Where will my closing be?<\/h3>\n

Most closings handled by Empire Title Services are held in our main office in Aventura or in one of our branch offices located in Miami Beach or Boca Raton. If the buyers or sellers are unable to come to one of our offices, the closing can be held at any location convenient to the parties. Empire Title Services can conduct your closing in your home, at your business, or at almost any other location<\/p>\n

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Do I need to be present at the closing?<\/h3>\n

If you are unable to attend the closing, Empire Title Services can make arrangements to send all of the papers to you by courier. Many times, Empire Title Services conducts closings for people who are outside of Florida. All of the papers will be sent with detailed instructions about how to complete each document. After you sign all of the papers, you can send them back to Empire Title Services in the return envelope that we provide.<\/p>\n

\n

What do I need to bring to the closing?<\/h3>\n

All borrowers, buyers and sellers need to bring some form of picture identification. A driver\u2019s license or passport is fine. For a buyer, it\u2019s always a good idea to bring another form of identification as well, such as a Social Security card.<\/p>\n

\n

What time of day will my closing be scheduled?<\/h3>\n

Most closings are held during Empire Title Services\u2019s regular business hours of 8:30 a.m. to 5:30 p.m., Monday through Friday. We realize that people work and are sometimes unable to attend a closing during those hours. For those people, Empire Title Services offers closings at night or on weekends.<\/p>\n

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Why do I need title insurance?<\/h3>\n

For most people, a real estate closing is the biggest financial transaction of their lives. Title insurance is assurance that you will be the owner of the property you purchase. Title insurance protects you from any claims made against your ownership after you buy the property.<\/p>\n

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Do I have to renew my title insurance coverage every year?<\/h3>\n

No. Title insurance provides coverage for an unlimited period of time for one payment. Unlike homeowners insurance or automobile insurance, title insurance does not have to be renewed every year.<\/p>\n

\n

I am refinancing my loan. I received a title insurance policy when I bought my property. Why is my new lender requiring another title insurance policy?<\/h3>\n

When you purchased your property, you received an \u201cowner\u2019s\u201d title insurance policy. An owner\u2019s policy protects you from claims against your ownership. The lender received a \u201clender\u2019s\u201d policy. A lender\u2019s policy protects the lender from title claims against your property. When you refinance, the new lender will require a new lender\u2019s title insurance policy to protect the lender\u2019s interest in your property. The new lender\u2019s title insurance policy will provide title insurance protection to the lender in the amount of your new loan. The owner\u2019s title insurance policy you received when you bought your property will remain in effect.<\/p>\n

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Why is a title search conducted?<\/h3>\n

By law, title to property can be affected by various common events. For example, if a property owner dies, files bankruptcy, owes taxes, loses a lawsuit, gets a loan, violates building code provisions, commits a crime, gets married, gets divorced or becomes mentally incapacitated, title to that person\u2019s property might become impaired. To determine whether any problems exist, a title search is conducted. The title examiner will review all documents recorded on the public records that might relate to the property. If the documents disclose a title defect, the professionals at Empire Title Services, relying on their vast experience, take further action to resolve the issue. The closing will be scheduled after all title problems have been cleared.<\/p>\n

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Do I need a property survey?<\/h3>\n

Most lenders will require a survey for your purchase of new property. For a refinance, we can use the survey that was prepared when you originally bought the property. The survey shows the exact location of your real estate. It also shows any easements and encroachments that might affect your use of the property. A survey and elevation certificate are usually required before flood insurance can be obtained. A survey is also needed if you wish to add an improvement to your property, such as an additional room, a fence or a swimming pool. In those cases, the survey will be required as a condition to obtaining governmental approval for the issuance of a building permit.<\/p>\n

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Why should my closing be conducted by Empire Title Services?<\/h3>\n

As an attorney-owned and attorney-operated title company, Empire Title Services\u2019s customers benefit from the over 37 years of extensive legal experience of its president, Richard Breger. Empire Title Services prides itself on its excellent reputation for outstanding customer service. For any buyer, seller, lender or real estate agent, there\u2019s no other than choice than Empire Title Services.
\n[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_sidebar orientation=”right” area=”sidebar-1″ show_border=”off” admin_label=”Sidebar” _builder_version=”4.4.2″ custom_css_widget=”box-shadow: 0px 2px 3px rgba(0,0,0,0.2);” remove_border=”on” global_module=”640″ saved_tabs=”all”][\/et_pb_sidebar][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Section” module_class=”boca-partner” _builder_version=”3.22″ background_color=”#ffffff” custom_padding=”30px|0px|30px|0px” custom_padding_tablet=”30px|0px|30px|0px” transparent_background=”off” padding_mobile=”on” make_fullwidth=”off” use_custom_width=”off” width_unit=”on” global_module=”649″][et_pb_row padding_mobile=”off” column_padding_mobile=”on” module_class=” et_pb_row_fullwidth et_pb_row_fullwidth et_pb_row_fullwidth et_pb_row_fullwidth” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”89%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%” max_width_phone=”” max_width_last_edited=”on|desktop” make_fullwidth=”on” use_custom_width=”off” width_unit=”on”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”OUR PARTNERS” _builder_version=”3.27.4″ text_text_color=”#222222″ text_font_size=”40″ text_line_height=”1.5em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” module_alignment=”center” text_font_size_tablet=”” text_font_size_phone=”30″ text_font_size_last_edited=”on|desktop” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]<\/p>\n

Our Partners<\/h3>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.4.2″][et_pb_column type=”1_3″ _builder_version=”4.4.2″][et_pb_image src=”https:\/\/cloud.titletapsites.com\/empiretitleservices\/wp-content\/uploads\/sites\/29\/2020\/08\/Old-Republic.jpg” alt=”Old Republic Title” url=”https:\/\/www.oldrepublictitle.com\/” url_new_window=”on” _builder_version=”4.4.2″ vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ z_index_tablet=”0″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.4.2″][et_pb_image src=”https:\/\/cloud.titletapsites.com\/empiretitleservices\/wp-content\/uploads\/sites\/29\/2025\/03\/BNI-Logo-1.png” alt=”The Fund” url=”https:\/\/www.bni.com\/” url_new_window=”on” align=”center” disabled_on=”off|off|off” _builder_version=”4.4.2″ 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url_new_window=”on” _builder_version=”4.4.2″ vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ max_width=”300px” module_alignment=”left” z_index_tablet=”0″ module_alignment_tablet=”center” module_alignment_phone=”” module_alignment_last_edited=”on|tablet” box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.4.2″][et_pb_column type=”1_3″ _builder_version=”4.4.2″][et_pb_image src=”https:\/\/cloud.titletapsites.com\/empiretitleservices\/wp-content\/uploads\/sites\/29\/2020\/08\/Aventurahasit.jpg” alt=”Aventurahasit Logo” url=”http:\/\/aventurahasit.com\/” url_new_window=”on” disabled_on=”on|on|on” _builder_version=”4.4.2″ vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ z_index_tablet=”0″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” 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url=”http:\/\/www.aventuramarketingcouncil.com\/” url_new_window=”on” disabled_on=”on|on|on” _builder_version=”4.4.2″ vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ z_index_tablet=”0″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” disabled=”on”][\/et_pb_image][et_pb_image src=”https:\/\/cloud.titletapsites.com\/empiretitleservices\/wp-content\/uploads\/sites\/29\/2020\/08\/Russian-American-Chamber.jpg” alt=”RUSSIAN AMERICAN CHAMBER OF SOUTH FLORIDA” url=”https:\/\/altaidregistry.org\/home\/search?altaid=1074945″ url_new_window=”on” disabled_on=”on|on|on” _builder_version=”4.4.2″ vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ z_index_tablet=”0″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” disabled=”on”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_divider color=”#e3e3e3″ divider_position=”center” _builder_version=”3.2″ height=”40px” hide_on_mobile=”off”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ disabled_on=”off|off|off” _builder_version=”4.4.2″ custom_padding=”0px||||false|false” global_module=”6870″ saved_tabs=”all”][et_pb_row column_structure=”2_3,1_3″ use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” column_padding_mobile=”on” _builder_version=”4.4.2″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”2_3″ _builder_version=”4.4.2″][et_pb_map address=”20801 Biscayne Blvd Suite 300, Aventura, FL 33180, USA” zoom_level=”9″ address_lat=”26.122832119529″ address_lng=”-80.242209058644″ module_class=”footermap” _builder_version=”4.4.2″][et_pb_map_pin title=”Hollywood” pin_address=”200 S Park Rd #160, Hollywood, FL 33021, USA” pin_address_lat=”26.009316″ pin_address_lng=”-80.177268″ _builder_version=”4.4.2″]200 S. Park Rd.
\nSuite 160
\nHollywood, FL 33021[\/et_pb_map_pin][et_pb_map_pin title=”Boca Raton” pin_address=”595 S Federal Hwy #620, Boca Raton, FL 33432, USA” pin_address_lat=”26.3447299″ pin_address_lng=”-80.0865193″ _builder_version=”4.4.2″]595 S. Federal Hwy, Suite 620
\nBoca Raton, FL 33432[\/et_pb_map_pin][\/et_pb_map][et_pb_code disabled_on=”on|on|on” admin_label=”Logos” _builder_version=”4.4.2″ vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ z_index_tablet=”0″ box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” disabled=”on”]<\/p>\n

<\/div>\n

<\/pee> <\/p>\n

<\/div>\n

<\/pee> <\/p>\n

<\/div>\n

[\/et_pb_code][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.4.2″ custom_padding=”|||30px|false|false” custom_padding_tablet=”|||0px|false|false” custom_padding_phone=”” custom_padding_last_edited=”on|phone”][et_pb_text admin_label=”GET IN TOUCH” _builder_version=”4.4.2″ text_font_size=”16″ text_line_height=”1.5em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_font_size_tablet=”” text_font_size_phone=”” text_font_size_last_edited=”on|desktop” use_border_color=”off” border_color=”#ffffff” border_style=”solid”]<\/p>\n

Our Locations<\/h3>\n

[\/et_pb_text][et_pb_accordion open_toggle_text_color=”#074a86″ open_toggle_background_color=”#ffffff” closed_toggle_background_color=”#2975b9″ icon_color=”#ffffff” _builder_version=”4.4.2″ toggle_text_color=”#ffffff” toggle_font=”|600|||||||”][et_pb_accordion_item title=”Hollywood ” open=”on” _builder_version=”4.4.2″]200 S. Park Rd.
\nSuite 160
\nHollywood, FL 33021<\/p>\n

Phone:<\/strong>\u00a0305-931-4400<\/a>
\nFax:<\/strong>\u00a0305-935-2771<\/a>[\/et_pb_accordion_item][et_pb_accordion_item title=”Boca Raton” _builder_version=”4.4.2″ open=”off”]<\/p>\n

595 S. Federal Hwy
Suite 620
Boca Raton, FL 33432<\/p>\n

Phone:<\/strong>\u00a0561-225-2676<\/a>
Fax:<\/strong>\u00a0561-225-2583<\/a>
<!–Toll-Free:<\/strong> 800-780-5760<\/a>–><\/p>\n

[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_button button_url=”https:\/\/empiretitleservices.com\/contact\/” button_text=”Contact Us” button_alignment=”left” _builder_version=”4.4.2″ vertical_offset_tablet=”0″ horizontal_offset_tablet=”0″ background_layout=”dark” z_index_tablet=”0″ button_text_shadow_horizontal_length_tablet=”0px” button_text_shadow_vertical_length_tablet=”0px” button_text_shadow_blur_strength_tablet=”1px” box_shadow_horizontal_tablet=”0px” box_shadow_vertical_tablet=”0px” box_shadow_blur_tablet=”40px” box_shadow_spread_tablet=”0px” button_letter_spacing_hover=”0″ button_text_size__hover_enabled=”off” button_text_size__hover=”null” button_one_text_size__hover_enabled=”off” button_one_text_size__hover=”null” button_two_text_size__hover_enabled=”off” button_two_text_size__hover=”null” button_text_color__hover_enabled=”off” button_text_color__hover=”null” button_one_text_color__hover_enabled=”off” button_one_text_color__hover=”null” 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