Florida title insurance & settlement
Fifteen offices across Florida, licensed closers who have seen every kind of transaction, and attorneys on staff for the ones that get complicated.
Contract to closing
Eight stages. Most buyers only ever see the last one. Step through it — or keep scrolling — to see who is doing what, and when you'll hear from us.
Both parties have signed. The executed contract comes to us with your escrow deposit, and we open the file — assigning a closer, ordering the searches, and confirming the closing date everyone has agreed to.
This is the moment the transaction stops being between you and the seller, and starts being a file with a deadline.
We pull the public record back through the chain of title, looking for anything that attaches to the property rather than to the person selling it — prior deeds, open mortgages, judgments, unpaid taxes, easements and restrictions.
Most of what makes a closing go sideways is found here, weeks before anyone sits at a table.
Separate from the title search, we order the searches that don't live in the official records: municipal lien and open-permit searches, utility balances, code enforcement, and the HOA or condo estoppel letter that states exactly what is owed at closing.
If your lender requires a survey, it's ordered now so there's time to resolve an encroachment if one shows up.
This is the document that says what we are prepared to insure, and on what conditions. It carries two lists: requirements — things that must happen before closing — and exceptions — things the policy will not cover.
Read it. It is the clearest picture you will get of what you are actually buying, and questions are much cheaper now than at the table.
We work the requirements list. Payoff figures are ordered from existing lenders. Judgments, liens and old open mortgages are satisfied or released. Probate documents, trust certificates and entity paperwork are collected. Open permits are closed.
This is where attorneys on staff earn their keep — and where an experienced agency is worth more than a cheap one.
If there's a lender, federal rules require your Closing Disclosure to be delivered at least three business days before you sign. We prepare the settlement statement alongside it — prorations, taxes, HOA dues, payoffs, commissions and the exact amount you bring or receive.
Check the numbers now. Corrections at this stage are routine; corrections at the table are not.
You sign — in one of our offices, or remotely by mail-away with a mobile notary if you can't be in Florida. The lender funds, we disburse, and the keys change hands.
On wiring: confirm wire instructions by calling a number you already have for us. Never trust instructions that arrive by email alone, even when they look like ours.
The deed and any new mortgage are recorded in the county's official records — that public act is what puts your ownership on the record. Your final owner's title policy is issued afterwards.
Keep the policy. It has no expiry, it protects against things that happened before you ever saw the property, and you may need it decades from now.
←→ to step through, or just keep scrolling
What we handle
Residential and commercial, financed and cash, straightforward and complicated. Because the volume is high and the footprint is statewide, very little is new to us.
Whether it's a first house in Cape Coral or a commercial building in Sarasota, the file is worked the same way.
Financing complicates a file. So does the absence of it.
You do not have to be in the room, or even in the state.
The paperwork around the closing, prepared and executed properly the first time.
Title insurance, plainly
Every other policy you own covers something that might happen next — a fire, a crash, an illness. Title insurance is the opposite. It covers things that already happened, before you ever saw the property, and that nobody caught at the time.
Many people have bought property without much understanding of what restrictions attach to its title. It's only when a planning application is denied because of a restriction applied decades ago, or an old charge on the property resurfaces, that they discover not all title information is publicly available.
Available as residential or commercial coverage, a title policy makes sure that when an issue is unearthed about your property, the right coverage is in place — so you, your family or your business aren't left financially disadvantaged by someone else's paperwork.
Why Omega
Small enough that a person knows your file. Large enough that a difficult one doesn't stall.
We maintain a standard operating platform so every branch closes the same way, and we provide closing apps for buyers and sellers so you can see where your file actually is.
Over 75 years of combined experience across our licensed title agents, on every type of financed, cash-based, residential and commercial transaction — plus attorneys on staff when a file needs one.
Every branch is ALTA Best Practices certified, and we're independently certified for compliance, ethics and security by TQS — the firm responsible for certifying some of the top Fortune 500 companies.
Where we are
Wherever the property sits in Florida, there's an Omega office that closes there — and the file is worked to the same standard in all of them.
Common questions
If yours isn't here, call the office nearest the property — we'd rather answer it now than at the table.
Title insurance affords protection from past events which may or may not be part of the public records, but that can adversely affect a new owner. A title search can reveal a number of title defects and liens as well as other encumbrances and restrictions. Among them are unsatisfied mortgages, unpaid taxes, judgments against the seller, and restrictions limiting the use of land.
Many people may have purchased one or more properties in the past without having much understanding of what restrictions are attached to the title. It's only when they submit a planning application and find it's denied due to previously applied restrictions, or end up out of pocket because an old charge on the property resurfaces, that they realise not all title information is publicly available.
Yes. We handle mail-away closings and provide mobile notaries, so buyers and sellers who can't attend in person still close on time. Tell your closer early so the documents are routed correctly.
Yes. We provide services in English, Spanish and Creole, and multi-lingual closings are a standard part of what we do.
All our branches are ALTA certified, which means we comply with CFPB and Data Call requirements. We're also Best Practices certified for compliance, ethics and security by TQS, the firm responsible for certifying some of the top Fortune 500 companies.
If you're a lender or agent who needs a copy of a certification, E&O insurance or bond information, contact the Omega office you're working with.
Florida title insurance premiums are promulgated by the state — the premium is set by rate against the policy amount rather than by the individual agency. Your closer will give you an exact figure for your transaction before you commit to anything.
Let's get started
Give us a call and we'll be happy to provide the information and assistance you need — whether you're a buyer, a seller, a Realtor or a lender.