What are the top home title questions in 2025

In 2025, homeowners and prospective buyers frequently inquire about various aspects of home titles. Here are some of the most common questions:

Is title insurance necessary for a cash purchase?
- While lender’s title insurance isn’t required for cash transactions, obtaining an owner’s title insurance policy is advisable. It protects against potential title disputes or claims that could arise after the purchase.
- South Oak Title & Closing | AL | FL | TN
How does the title waiver pilot affect refinancing?
- The Federal Housing Finance Agency (FHFA) introduced a title waiver pilot aiming to eliminate lender’s title insurance on certain low-risk refinances. However, this initiative has faced opposition due to concerns about the loss of critical protection for lenders and borrowers. With changes in administration, many expect the waiver to be abandoned in 2025.
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What are the common title issues that can delay closing?
- Common title issues include unresolved liens, undisclosed heirs, errors in public records, and boundary disputes. These issues can delay or even derail a closing if not addressed promptly. Conducting a thorough title search and obtaining title insurance can help mitigate these risks.
How is technology impacting the title industry in 2025?
- Artificial intelligence (AI) continues to revolutionize the title industry by streamlining tasks such as data entry, document review, and communication. However, the rise of AI also introduces new challenges, including potential security vulnerabilities that require ongoing vigilance and adaptation.
- SoftPro Blog
What steps can be taken to prevent title fraud?
- Title fraud is an escalating concern in 2025, with fraudsters employing increasingly sophisticated methods. To safeguard against title fraud, it’s crucial to conduct thorough due diligence, regularly monitor property records, and invest in comprehensive title insurance. Staying informed about the latest fraud schemes and maintaining open communication with title professionals can also provide added protection.
- SoftPro Blog

Staying informed about these topics can help individuals navigate the complexities of home titles more effectively in 2025.

Learn more about our comprehensive title insurance services here.

Thank you for reading! If you enjoyed this article and want to explore more content on similar topics, check out our other blogs at Sonic Loans, Sonic Realty, and Sonic Title. We have a wealth of information designed to help you navigate the world of real estate and finance. Happy reading!

Provider and Settlement Service	Charge or Range of Charges
Sonic Realty LLC	1%-6% of purchase price
Sonic Title Agency, LLC	Title Insurance Policy: $950 - $1706 on a $250,000 property. (Rates vary and are dependent on the state, selling price, and loan amount on the property.) Title Search Fee: $250 - $325 (where applicable) Closing Fee: $450 - $650
Sonic Loans Inc. This company provides various real estate mortgage loan origination activities either as a third-party originator or a mortgage broker, including loan pre-qualification, competitive bid process (when providing third-party origination services), loan origination, loan pre-approval, loan structuring, processing, and closing.	Loan Origination Charge: 0-3 % of loan amount (may include 3^rd party fees) Loan Discount Fee/points: 0.5%-6% of loan amount. Application/Processing Fee: $0.00 - $875.00 Flood and tax service: $0.00 - $95.00 Underwriting Fee: $0.00 - $1295.00 Document Review Fee: $0.00 - $400.00 Appraisal Fee: $0.00 - $850.00 Credit Report Fee: $0.00 - $135.00 Actual charges may vary according to the particular lender selected, the particular services provided, and the underlying transaction, borrower selections, etc. Some or all of these fees may be charged by third parties and/or the Member Mortgage Lender/Mortgage Broker. The Member Lenders and Mortgage Brokers have agreed to pay a fee ranging from 0.5% to 2.75% of the loan amount to Sonic Loans in connection with a range of loan origination services provided by Sonic Loans to the Member Lender/Mortgage Broker. The fees are paid either directly to Sonic Loans by the Member Lender/Mortgage Broker or billed directly to you at closing.

Provider and Settlement Service	Charge or Range of Charges
Appraisal Fee	$0-$800
Credit Report Fee	$63-$125

What are the top home title questions in 2025