About Us

Bosshardt Title is able to assist buyers and sellers with all aspects of closings including the following:

Escrow services. We can act as the escrow agent for a transaction for a nominal fee.
Quotes. We are happy to provide sellers and Realtors® quotes for settlement costs on a HUD-1 form. This can be a competitive advantage in listing presentations.
Settlement Agent. We can be the settlement agent for all residential and commercial transactions, involving cash or lenders. We take over after the contract has been executed and work closely with the realtors and parties until closing. Note if an owner has an owner's title insurance policy issued within last three years, s/he will be entitled to a discount on title insurance called re-issue credit.
1031 Transactions. For your savvy real estate customers, we can assist with 1031 closings. A 1031 transaction is also called a like-kind exchange which is a tax deferred exchange that allows for the disposal of an asset and the acquisition of another similar asset without generating a tax liability from the sale of the first asset. A like-kind exchange can involve the exchange of one business for another business, or one real estate investment property for another real estate investment property.
Refinancing/Loan Modification/Reverse Mortgages. We can assist lenders and real estate owners with refinancing, modifying their loan, including reverse mortgages. If the owner has an owner's title insurance policy (regardless of age), they are entitled to a considerable discount called "reissue credit."
Construction Loans. We have experience working with buyers of vacant lots who have construction loans.
Courtesy Closing Services. Sometimes the seller (many times for bank owned properties) will use an out-of-town closing attorney or agent but will need the assistance of Bosshardt Title can receive the closing package and conduct the closing in our office.
Short Sale Closings. We are experienced with working with sellers and realtors in short sale situations. We can provide a HUD-1 showing estimated closing costs which is a prerequisite for lenders when considering offers. Once an offer is approved, we will work with the seller's lender until closings.
Flexible Closing Schedule. We will work with your customer to schedule a closing that works for them.
Serving Florida. We are happy to serve properties owners in Florida. If a seller or buyer is out of town, we can conduct closing services with mail-away services.
Competitive Rates. We believe that our rates are some of the lowest in the market with the services of a closing agent attorney. Should you get a better quote elsewhere, please let us know and we will be happy to meet any legitimate quote for title services.

Why Title Insurance is Important

Buying a home is the most important investment that most people will ever make. Title insurance guarantees that a buyer will receive the ownership interest that was bargained for, and that the transfer of ownership is completed smoothly and expeditiously. It is the most effective, most accepted, and least expensive way to protect a buyer's ownership rights.

Since its inception, Bosshardt Title has provided the best to ensure that real estate transactions close in a friendly, efficient, and professional manner. Our prosperity and continued growth can be attributed to our focus on what has made us successful: our satisfied customers. Our Staff of committed professionals is focused on giving our clients a competitive edge in their marketplace.

Title insurance is the most effective, most accepted and least expensive way to protect your real estate investment. The investment of every owner and lender are routinely insured by standard Owner's and Lender's policies. Each policy we issue is our agreement to assume the responsibility for the defense of your title - under your policy's terms and to reimburse you for actual financial losses up to policy limits.

Bosshardt Title will prepare a title search, which means searching the real estate records in the county where that particular piece of property is located. A title search will (1) determine the legal owner of the property; (2) reveal any mortgages, liens, judgments, or unpaid taxes that will have to be satisfied before the property is conveyed; and (3) detail any existing easements, restrictions, or leases of record that affect the property.

After the title search is completed, we will prepare a Commitment of Title Insurance to the lender and/or the prospective buyer. The title insurance commitment will include a check list with what needs to be completed as well as any problems that need to be corrected before the purchaser can receive good title. The title insurance company will complete all the necessary documents and will undertake to correct any problems. Once these things are done the parties are ready to exchange paperwork and close the deal.

The purpose of the closing is to sign and exchange all the documents necessary to convey title, secure the lender, and deal with collateral issues such as leases, rights-of-way, etc., and to explain in an orderly manner the costs to each party. The HUD1 closing statement will include the mortgage lenders charges, charges for preparing documents, our settlement fees, recording costs, and the amount of the payoffs to release any existing mortgages, pro-ration of city and county taxes, real estate commission fees, survey fees, and any other costs associated with the deal.

At closing, we will collect the purchase money funds from the buyer and lender as well as the settlement costs from each party. Bosshardt Title then pays all of the expenses of the transaction, pays off any existing mortgages, and pays the seller the net proceeds of sale. All of this is done in accordance with the HUD1 settlement statement. We have the ability to wire seller proceeds to their bank or issue them a check.

After the closing, we will record the legal documents (deed, mortgage, assignments, etc.) at the county courthouse and then return the original documents to the correct party. New owners receive their deed and original title insurance policy. The lender receives the original mortgage documents which they hold until the loan is paid in full. Once the loan is paid, the lender will release their lien against the property.