{"id":9029,"date":"2026-10-13T20:04:36","date_gmt":"2026-10-13T20:04:36","guid":{"rendered":"https:\/\/www.indytitleftl.com\/blog\/?p=9029"},"modified":"2026-10-13T23:46:04","modified_gmt":"2026-10-13T23:46:04","slug":"choose-your-title-company-florida-refinance","status":"publish","type":"post","link":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/","title":{"rendered":"You Can Choose Your Title Company in Florida (and Save Money on a Refinance)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A lot of buyers and homeowners don&#8217;t know this: you usually get to pick your title company. It doesn&#8217;t have to be the one your lender, builder, or the other side suggests. Here&#8217;s why that choice matters and how it can lower your costs, especially on a refinance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You have the right to choose<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Under federal law (RESPA), a seller can&#8217;t require you to buy title insurance from a particular title company as a condition of the sale. On most mortgage loans, your Loan Estimate also has a section called &#8220;Services You Can Shop For,&#8221; and title services are usually listed there. A suggestion is just a suggestion.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why it matters who handles your closing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Your title company does more than issue a policy. It:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Searches the public records and clears liens, judgments, and old mortgages<\/li>\n\n<li>Orders estoppels and payoffs, and makes sure they&#8217;re paid at closing<\/li>\n\n<li>Prepares the closing statement and handles your money in escrow<\/li>\n\n<li>Records the deed and mortgage correctly<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A responsive title company that clears problems early is often the difference between closing on time and closing late.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where the money is on a refinance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Florida, the <a href=\"https:\/\/www.indytitleftl.com\/blog\/florida-title-insurance-explained\/\">title insurance premium is set by state rule<\/a>, so the premium itself is the same everywhere. The savings come from everything else:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Settlement and closing fees:<\/strong> These aren&#8217;t set by the state, and they vary from company to company.<\/li>\n\n<li><strong>Search and lien fees:<\/strong> Title search, municipal lien search, and other service charges also vary.<\/li>\n\n<li><strong>Reissue credit:<\/strong> If there&#8217;s a recent prior title policy on the property, you may qualify for a lower reissue rate on the new lender&#8217;s policy. Ask for it. Not every company checks unless you do.<\/li>\n\n<li><strong>No new owner&#8217;s policy needed:<\/strong> On a refinance, you normally only need a new lender&#8217;s policy. Your original owner&#8217;s policy keeps protecting you.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">On a refinance, the lender&#8217;s default title company may not have the lowest fees. One phone call and a quote comparison can put money back in your pocket.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to choose<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Ask for a written quote<\/strong> with every title and settlement fee listed, not just the premium.<\/li>\n\n<li><strong>Compare line by line<\/strong> against the title charges on your Loan Estimate.<\/li>\n\n<li><strong>Ask about the reissue rate<\/strong> if your property was insured recently.<\/li>\n\n<li><strong>Ask who your closer is<\/strong> and how quickly they return calls and emails.<\/li>\n\n<li><strong>Tell your lender early<\/strong> which title company you&#8217;ve chosen, so the file is opened right away. (See <a href=\"https:\/\/www.indytitleftl.com\/blog\/how-long-does-a-florida-closing-take-house-vs-condo\/\">how long a Florida closing takes<\/a>.)<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Bottom line<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing your title company gives you control over service and fees. On a refinance, it&#8217;s one of the easiest ways to lower closing costs. You can <a href=\"https:\/\/www.indytitleftl.com\/\">start a closing cost quote<\/a> from our homepage.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1\"><strong class=\"schema-faq-question\">Can I choose my own title company in Florida?<\/strong> <p class=\"schema-faq-answer\">Usually yes. A seller can&#8217;t require a particular title company as a condition of the sale, and title services are often listed as services you can shop for on your Loan Estimate.<\/p> <\/div><div class=\"schema-faq-section\" id=\"faq-question-2\"><strong class=\"schema-faq-question\">Do I need a new owner&#8217;s policy when I refinance?<\/strong> <p class=\"schema-faq-answer\">No. On a refinance, you normally only need a new lender&#8217;s policy.<\/p> <\/div><div class=\"schema-faq-section\" id=\"faq-question-3\"><strong class=\"schema-faq-question\">How can I save on title costs when refinancing?<\/strong> <p class=\"schema-faq-answer\">Compare settlement and search fees, and ask whether you qualify for a reissue rate.<\/p> <\/div><div class=\"schema-faq-section\" id=\"faq-question-4\"><strong class=\"schema-faq-question\">Are Florida title insurance premiums the same everywhere?<\/strong> <p class=\"schema-faq-answer\">Yes. The premium is set by state rule. Other title fees vary by company.<\/p> <\/div><div class=\"schema-faq-section\" id=\"faq-question-5\"><strong class=\"schema-faq-question\">When should I tell my lender which title company I chose?<\/strong> <p class=\"schema-faq-answer\">As early as possible, so the title work starts right away.<\/p> <\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>This article is general information only and is not legal advice. Every transaction is different. For advice about your specific situation, talk with a Florida real estate attorney.<\/em><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>A lot of buyers and homeowners don&#8217;t know this: you usually get to pick your title company. It doesn&#8217;t have to be the one your lender, builder, or the other side suggests. Here&#8217;s why that choice matters and how it can lower your costs, especially on a refinance. You have the right to choose Under [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9029","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Choose Your Title Company in Florida &amp; Save on a Refinance<\/title>\n<meta name=\"description\" content=\"You can usually choose your own Florida title company. Here&#039;s why it matters, and how comparing fees and asking for a reissue rate can lower refinance costs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Choose Your Title Company in Florida &amp; Save on a Refinance\" \/>\n<meta property=\"og:description\" content=\"You can usually choose your own Florida title company. Here&#039;s why it matters, and how comparing fees and asking for a reissue rate can lower refinance costs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/\" \/>\n<meta property=\"og:site_name\" content=\"Independent Title FTL\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-13T20:04:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-13T23:46:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.indytitleftl.com\/blog\/wp-content\/uploads\/2026\/09\/independent-title-social.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jim Santiago\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jim Santiago\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/\"},\"author\":{\"name\":\"Jim Santiago\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/#\\\/schema\\\/person\\\/54b62dea782bf8b03145ce161aa1aa2d\"},\"headline\":\"You Can Choose Your Title Company in Florida (and Save Money on a Refinance)\",\"datePublished\":\"2026-10-13T20:04:36+00:00\",\"dateModified\":\"2026-10-13T23:46:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/\"},\"wordCount\":635,\"publisher\":{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/#organization\"},\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/\",\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/\",\"name\":\"Choose Your Title Company in Florida & Save on a Refinance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/#website\"},\"datePublished\":\"2026-10-13T20:04:36+00:00\",\"dateModified\":\"2026-10-13T23:46:04+00:00\",\"description\":\"You can usually choose your own Florida title company. Here's why it matters, and how comparing fees and asking for a reissue rate can lower refinance costs.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-1\"},{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-2\"},{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-3\"},{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-4\"},{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-5\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"You Can Choose Your Title Company in Florida (and Save Money on a Refinance)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/\",\"name\":\"Independent Title of Fort Lauderdale\",\"description\":\"Florida title, closing and real estate insights\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/#organization\",\"name\":\"Independent Title of Fort Lauderdale\",\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/independent-title-logo.jpg\",\"contentUrl\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/independent-title-logo.jpg\",\"width\":1024,\"height\":1024,\"caption\":\"Independent Title of Fort Lauderdale\"},\"image\":{\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/#\\\/schema\\\/person\\\/54b62dea782bf8b03145ce161aa1aa2d\",\"name\":\"Jim Santiago\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c51c395eed7eac2911f8bd1aca1fb755a99baf7419458a0327577c3534021c7e?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c51c395eed7eac2911f8bd1aca1fb755a99baf7419458a0327577c3534021c7e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c51c395eed7eac2911f8bd1aca1fb755a99baf7419458a0327577c3534021c7e?s=96&d=mm&r=g\",\"caption\":\"Jim Santiago\"},\"sameAs\":[\"http:\\\/\\\/closing123fl.com\"],\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/author\\\/indywordpress\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-1\",\"position\":1,\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-1\",\"name\":\"Can I choose my own title company in Florida?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Usually yes. A seller can't require a particular title company as a condition of the sale, and title services are often listed as services you can shop for on your Loan Estimate.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-2\",\"position\":2,\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-2\",\"name\":\"Do I need a new owner's policy when I refinance?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. On a refinance, you normally only need a new lender's policy.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-3\",\"position\":3,\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-3\",\"name\":\"How can I save on title costs when refinancing?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Compare settlement and search fees, and ask whether you qualify for a reissue rate.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-4\",\"position\":4,\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-4\",\"name\":\"Are Florida title insurance premiums the same everywhere?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The premium is set by state rule. Other title fees vary by company.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-5\",\"position\":5,\"url\":\"https:\\\/\\\/www.indytitleftl.com\\\/blog\\\/choose-your-title-company-florida-refinance\\\/#faq-question-5\",\"name\":\"When should I tell my lender which title company I chose?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"As early as possible, so the title work starts right away.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Choose Your Title Company in Florida & Save on a Refinance","description":"You can usually choose your own Florida title company. Here's why it matters, and how comparing fees and asking for a reissue rate can lower refinance costs.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/","og_locale":"en_US","og_type":"article","og_title":"Choose Your Title Company in Florida & Save on a Refinance","og_description":"You can usually choose your own Florida title company. Here's why it matters, and how comparing fees and asking for a reissue rate can lower refinance costs.","og_url":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/","og_site_name":"Independent Title FTL","article_published_time":"2026-10-13T20:04:36+00:00","article_modified_time":"2026-10-13T23:46:04+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/www.indytitleftl.com\/blog\/wp-content\/uploads\/2026\/09\/independent-title-social.jpg","type":"image\/jpeg"}],"author":"Jim Santiago","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Jim Santiago","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#article","isPartOf":{"@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/"},"author":{"name":"Jim Santiago","@id":"https:\/\/www.indytitleftl.com\/blog\/#\/schema\/person\/54b62dea782bf8b03145ce161aa1aa2d"},"headline":"You Can Choose Your Title Company in Florida (and Save Money on a Refinance)","datePublished":"2026-10-13T20:04:36+00:00","dateModified":"2026-10-13T23:46:04+00:00","mainEntityOfPage":{"@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/"},"wordCount":635,"publisher":{"@id":"https:\/\/www.indytitleftl.com\/blog\/#organization"},"inLanguage":"en-US"},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/","url":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/","name":"Choose Your Title Company in Florida & Save on a Refinance","isPartOf":{"@id":"https:\/\/www.indytitleftl.com\/blog\/#website"},"datePublished":"2026-10-13T20:04:36+00:00","dateModified":"2026-10-13T23:46:04+00:00","description":"You can usually choose your own Florida title company. Here's why it matters, and how comparing fees and asking for a reissue rate can lower refinance costs.","breadcrumb":{"@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-1"},{"@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-2"},{"@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-3"},{"@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-4"},{"@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-5"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.indytitleftl.com\/blog\/"},{"@type":"ListItem","position":2,"name":"You Can Choose Your Title Company in Florida (and Save Money on a Refinance)"}]},{"@type":"WebSite","@id":"https:\/\/www.indytitleftl.com\/blog\/#website","url":"https:\/\/www.indytitleftl.com\/blog\/","name":"Independent Title of Fort Lauderdale","description":"Florida title, closing and real estate insights","publisher":{"@id":"https:\/\/www.indytitleftl.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.indytitleftl.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.indytitleftl.com\/blog\/#organization","name":"Independent Title of Fort Lauderdale","url":"https:\/\/www.indytitleftl.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.indytitleftl.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.indytitleftl.com\/blog\/wp-content\/uploads\/2026\/09\/independent-title-logo.jpg","contentUrl":"https:\/\/www.indytitleftl.com\/blog\/wp-content\/uploads\/2026\/09\/independent-title-logo.jpg","width":1024,"height":1024,"caption":"Independent Title of Fort Lauderdale"},"image":{"@id":"https:\/\/www.indytitleftl.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.indytitleftl.com\/blog\/#\/schema\/person\/54b62dea782bf8b03145ce161aa1aa2d","name":"Jim Santiago","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/c51c395eed7eac2911f8bd1aca1fb755a99baf7419458a0327577c3534021c7e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c51c395eed7eac2911f8bd1aca1fb755a99baf7419458a0327577c3534021c7e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c51c395eed7eac2911f8bd1aca1fb755a99baf7419458a0327577c3534021c7e?s=96&d=mm&r=g","caption":"Jim Santiago"},"sameAs":["http:\/\/closing123fl.com"],"url":"https:\/\/www.indytitleftl.com\/blog\/author\/indywordpress\/"},{"@type":"Question","@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-1","position":1,"url":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-1","name":"Can I choose my own title company in Florida?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Usually yes. A seller can't require a particular title company as a condition of the sale, and title services are often listed as services you can shop for on your Loan Estimate.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-2","position":2,"url":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-2","name":"Do I need a new owner's policy when I refinance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. On a refinance, you normally only need a new lender's policy.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-3","position":3,"url":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-3","name":"How can I save on title costs when refinancing?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Compare settlement and search fees, and ask whether you qualify for a reissue rate.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-4","position":4,"url":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-4","name":"Are Florida title insurance premiums the same everywhere?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. The premium is set by state rule. Other title fees vary by company.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-5","position":5,"url":"https:\/\/www.indytitleftl.com\/blog\/choose-your-title-company-florida-refinance\/#faq-question-5","name":"When should I tell my lender which title company I chose?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"As early as possible, so the title work starts right away.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/posts\/9029","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/comments?post=9029"}],"version-history":[{"count":2,"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/posts\/9029\/revisions"}],"predecessor-version":[{"id":9031,"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/posts\/9029\/revisions\/9031"}],"wp:attachment":[{"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/media?parent=9029"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/categories?post=9029"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.indytitleftl.com\/blog\/wp-json\/wp\/v2\/tags?post=9029"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}