Who Really Picks The Title Company in Maryland?

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Your agent just texted you a title company recommendation. But did you know you're not obligated to go with it? More importantly, this is a decision you should be thinking about well before you sign a contract. The title company you choose will directly impact how your transaction goes. It affects everything from communication and coordination to security and final closing.

If you're buying a home in Maryland, you have the legal right to choose your own title company. This is not just a suggestion. It's your decision, and it can affect your closing experience, financial protection, and peace of mind.

Why Your Title Company Choice Actually Matters

Title companies are not all the same. Your choice can influence:

• How protected your money is during the transaction
  
  
• How quickly and smoothly you close
  
  
• How clearly you're communicated with
  
  
• Whether you're supported if problems arise later
  
  

Choosing the right title company is like choosing the right doctor. You want someone that fits your needs, not just someone convenient.

The Risks of Going with the Default Title Company

Agents often recommend title companies they know. In many cases, those recommendations work fine. But here’s what you need to keep in mind:

• Familiarity does not always mean the best fit. Your situation might require more support, faster turnaround, or specific language access.
  
  
• Business relationships do exist. Some agents work with companies they have partnerships with. That is not necessarily a problem, but they should be transparent about it.
  
  
• One-size-fits-all solutions do not work well for home closings.
  
  

Key Differences Between Title Companies

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Wire Fraud Protection
Wire fraud is a growing problem in Maryland real estate. When you wire a six-figure down payment, you need to know the money is going to the right place.

Not all title companies offer the same protection. Some use platforms like CertifID to verify wire instructions and insure transfers. Others rely on more basic processes.

According to CertifID, real estate wire fraud caused over $1.4 billion in losses in the United States in 2022.

Ongoing Communication and Language Support
Some companies provide multilingual services, including Spanish, Korean, Russian, Mandarin, and more. This helps make the process clearer and more comfortable for buyers who prefer another language.

Other companies offer online portals with real-time updates. Some still rely on traditional phone and email communication. Choose the approach that matches how you like to stay informed.

Specializations
Different companies focus on different types of transactions. Look for experience with:

• First-time buyers
• Commercial or investment properties
• New construction or 1031 exchanges
• Trusts, estates, and probate sales
• Short sales or complex title issues
  
  

Geographic and Local Expertise
Local experience matters. A company familiar with your county will better understand local regulations and government processes. They may also work more smoothly with area lenders and HOAs.

Availability and Speed
Ask about:

• Evening or weekend closing options
• Fast-track closings if you have a tight timeline
  
  
• Mobile closings or remote notarization
  
  

These services are not just conveniences. They can make your closing more efficient and less stressful.

Thinking About Your Title Company Yet?

Do not wait until you're under contract to start researching.

[Compare Maryland Title Companies now →]

What to Ask When Interviewing Title Companies

Want to make sure you're asking the right questions? We've made it simple.

👉 Download our Title Company Interview Checklist [here] to be fully prepared.

How to Bring It Up with Your Agent

Most professional agents are happy to work with whichever title company you choose. Here’s how to open the conversation:

• "I'd like to explore a few options before deciding."
  
  
• "I have some specific needs for this closing. Can we review a few companies together?"
  
  
• "I’ve researched a few companies and want to compare them before moving forward."
  
  

Red flags to watch for:

• Agents who pressure you to use only one company without explanation
• Dismissive or defensive reactions when you ask questions
• Refusal to coordinate with another reputable provider
  
  

Find a Title Company That Fits You

Use tools that help you search by:

• Wire fraud protection and insurance
• Language services
• Specializations such as new construction, commercial properties, or trusts and estates
• Availability including evenings, weekends, and mobile closings

Price matters. But service, protection, and communication often matter more.

The Bottom Line: It’s Your Home. Your Choice.

You only close once on this home. Take a few minutes to explore your options. The right title company will do more than process paperwork. They will protect your money, respect your time, and keep you informed from contract to keys.

Ready to compare Maryland title companies?
[Search by protections, specialties, language, and more →]

Maryland law protects your right to choose your own title company. For more, visit the Maryland Real Estate Commission.

FAQs

1. Who chooses the title company in Maryland?
In Maryland, the buyer has the legal right to choose the title company. While agents may suggest providers, you are not required to use their recommendation. You can shop around and select the company that best meets your needs.

2. Can I decline my real estate agent’s title company recommendation?
Yes. You are under no obligation to use the title company your agent recommends. It's smart to evaluate other options to find the best service, pricing, and protection for your situation.

3. Why does my choice of title company matter?
The title company handles key parts of your closing, including holding and transferring large sums of money, clearing title issues, and preparing documents. A good title company can reduce delays, prevent fraud, and improve your overall experience.

4. What should I look for in a Maryland title company?
Look for strong wire fraud protection, good communication (including language options), relevant transaction experience, local knowledge, and flexible scheduling options. These factors help ensure a smoother, safer closing.

5. When should I choose my title company?
Ideally, you should start researching title companies before your offer is accepted. This gives you time to compare options and avoid making a rushed decision during the contract phase.

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