Close on time, without any suprises.
TITLE COMPANY BASED IN WATERFORD, MI
EVERYBODY WINS WITH EPIC
Protecting buyers, sellers, lenders & real estate agents.
REALTORS
You need a trustworthy partner who understands your needs.
BUYERS & SELLERS
Buying or selling a home? Epic Title is here for you.
LENDERS
Epic Title will work with you to satisfy any liens.
Epic Title will ensure a smooth closing for your transaction while you work with one point of contact – that’s right, one point of contact! Epic Title prides ourselves on the fact that we work to build relationships with our industry partners and you just can’t do that when you are always dealing with a different people. You’ll never be surprised with who is reaching out to you and you’ll build true relationships with your title representatives.
WHAT WE DO
OUR SERVICES
Title Insurance
Title insurance is a form of indemnity insurance that protects lenders and homebuyers from financial loss sustained from defects in a title to a property. There are two types of title insurance. The first type is Lender’s Title Insurance/Loan Policy, which the borrower purchases to protect the lender. The other type is owner’s title insurance, which is often paid for by the seller to protect the buyer’s equity in the property.
Title Searches
Did you know that even if a property is deeded to you via quit claim deed, that there can still be defects on title? You will not be able to sell your home with any outstanding clouds/defects on title. If you are thinking about buying a home or if someone has deeded a property to you then a title search would be in your best interest. You can order a title search to see what possible defects are on title and this will also give you an idea of where to start when trying to clear them up.
Title Escrow & Closings
As a full service escrow and title company, we handle preparing any documents needed for closing while verifying that all information on your statements is correct and we also send a closer to sign the documents with all parties and assist with answering any questions. We will be your trusted resource throughout the closing process!
WHAT OUR CLIENTS SAY
TESTIMONIALS
“No words I can say can amount to how great EPIC title truly is! I love the confidence both my clients and I get when using EPIC. The efficiency, communication and genuine customer service provided and will to help is unmatched. It’s important to me that my clients are educated and receive transparency during each process and Epic goes above and beyond, every time. I know my clients and their transactions are in good hands!”
Alexis S.
Realtor, Elite Realty
“As a Realtor who has used multiple title companies over the last handful of years in the industry, I can confidently say that Epic has been the absolute best to work with! My team of 10 all utilize Epic’s services for our clients and have been extremely happy with them. The most important thing to me is customer service and communication and that’s where they excel. I get answers to questions right away, and know that there is never anything missed along the way to the closing table. They go above and beyond and are true leaders in this industry! Thank you for making every transaction so easy and smooth!”
Corbin G.
Realtor, Full Circle Realty
“From Pre-Title to Post Close the services provided by Epic Title have encompassed exactly what their name suggests – EPIC. I can’t thank this team enough for their continued 5-Star Service. I feel confident trusting them to provide an unmatched client experience at every closing.”
James M.
Owner, Real Estate for a Cause
Transactions & Counting
Happy Customers
Industry Partners
WOMEN-OWNED & OPERATED
ABOUT EPIC TITLE
It is our mission to be recognized as the most progressive organization in the title industry. We aim to be fully engaged with our people through passionately embracing new ideas while seeking out transforming technologies and operating with unrelenting ethical standards.
Tech Driven
We utilize the latest tools, methods and technologies to make sure that your real estate transaction is handled efficiently, effectively and correctly.
Expert Team
We’ve assembled a team with decades of combined experience in the title and real estate transaction space. We’re equipped to handle even the most complex transactions with ease.
Customer Focused
Our number one priority is a simple and stress-free real estate transaction with no last minute suprises. That means we put in the work to make sure all stakeholders are taken care of.
THE TITLE PROCESS
Getting started with your title needs.
1
Connect with us.
Click here to submit your title order. Remember the more information that you provide us with upfront, the smoother your transaction will be!
2
Prep for closing.
Your point of contact will be in touch to send you the commitment and request any information needed to clear title. Time is of the essence, the sooner that we are provided with the requested items, the sooner we will be able to clear title for closing.
3
Close on time.
With our internal follow up process, we will do everything that we can to ensure that you meet the anticipated closing date on your purchase agreement. If there are any addendums signed at any point during your transaction, it’s a good idea to make sure that the title company has the most recent addendums so that all documents are prepared correctly.
COMMON TITLE & ESCROW QUESTIONS
FAQs
What is title insurance?
Title insurance is an insurance policy that covers past title problems that come up after you buy or refinance a home and that are unknown at the time of purchase. A title insurance policy does not cover ownership issues that arise after you have purchased a home or other real estate property.
What different types of policies can be issued and who do they cover?
There are two types of title insurance policies that can be issued at closing. The owner’s policy and the loan policy. The owner’s policy protects the buyer from any past title problems and the loan policy protects the lender and their first lien position and right to foreclose.
Who pays for the owner’s policy?
In the State of Michigan, it is customary for the seller to pay for the owner’s policy at closing.
Who pays for the loan policy?
If a buyer is obtaining a mortgage at closing, their lender will require a loan policy to be issued and the buyer pays for this at closing.
Who has the responsibility of clearing title?
Technically, it’s the seller’s responsibility to provide the information needed to clear title, however, we work directly with real estate agents, buyers, and sellers alike in order to assist in getting any information needed to clear title.
How do I file a claim on my owner’s policy?
Get in touch with the title company that issued the owner’s policy and they will provide you with proper contact information for the underwriter’s claim department.
How long will it take my deed and mortgage to get recorded after closing?
It all depends on how far behind with recordings that the county that the property is located in is. As a title company, we submit your documents to be recorded within 48 hours of closing.
How can I get a copy of my recorded deed or mortgage?
We keep a copy on file and can email you a secured copy if needed.
I sold a property out of my trust. Why can’t I get my proceeds in a check made out to myself as an individual?
As a title company, we MUST provide proceeds to the actual person or entity that is vested in title. So, if you are selling a property out of your trust, the proceeds check will need to be made out to your trust. If you don’t have a bank account for your trust set up, it’s a good idea to set that up prior to closing so that you will have no issues cashing that check.