Please check your email for your login details.Lender's Title Policy in Metro Detroit
Compare verified title companies for the lender's title policy on your purchase or refinance. Get free quotes and close with confidence.
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Rebuild Detroit is not a title agency, title insurer or law firm and does not give legal advice; information here is general.
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Lender's Title Policy in Detroit: what to expect
A lender's title policy in Detroit protects the mortgage lender's lien position if a covered title defect surfaces after closing. Most lenders require one on a purchase or refinance in Wayne, Oakland and Macomb counties, and the borrower typically pays for it as a closing cost.
The policy amount usually matches the loan amount and declines as the loan is paid down. It does not protect the owner: if you want coverage for your own equity, add an owner's title policy, often at the same closing.
On a refinance, a new lender's policy is normally issued even if you had one before. Compare quotes with Metro Detroit title companies and ask your mortgage lender which title services you may shop for. Rebuild Detroit is not a title agency or law firm, and this is general information, not legal advice.
What a proper job includes
- Title search and examination
- A commitment meeting the lender's requirements
- Endorsements the lender requires
- Payoff of prior mortgages and liens at closing
- Recording of the new mortgage
- Policy issued to the lender after closing
What drives the price
- Loan amount
- Purchase or refinance transaction
- Endorsements required by the lender
- Issued alone or with an owner's policy
- Title history and requirements to clear
- Closing and recording services bundled in
Rebuild Detroit does not publish price ranges. Get written quotes for the same scope and compare.
Licensing and records in Michigan
In Michigan, title insurers and title insurance agents are regulated by the Department of Insurance and Financial Services (DIFS), which licenses title producers and agencies. Search the agent, agency or underwriter in the DIFS locator before you send money.
The new mortgage is recorded with the county register of deeds. Your Loan Estimate and Closing Disclosure show title charges, and federal rules require the Closing Disclosure at least three business days before closing on most mortgages.
Verify: DIFS insurance licensee and agency search Wayne County Register of Deeds Michigan notary search (Department of State) How We Vet
How to compare quotes
- Check your Loan Estimate for which title services you can shop for.
- Ask for an itemized quote for the lender's policy and endorsements.
- Ask about the price of adding an owner's policy at the same closing.
- Check the agent or agency in the DIFS locator.
- Confirm wiring instructions by phone at a number you already know.
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Lender's Title Policy in Detroit: FAQ
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