Affiliated vs. Non-Affiliated Title Companies: What Homebuyers Should Know

When you're buying a home, there’s a long list of decisions to make—and choosing a title company is one of the most important. Title companies ensure the property you're buying has a clean title and that the transaction closes smoothly. But not all title companies operate the same way. One of the biggest distinctions is whether a company is affiliated or non-affiliated.

At Sun National Title Company, we believe transparency is critical to protecting your investment. In this post, we’ll break down the difference between affiliated and non-affiliated title companies so you can make an informed decision.

What Is an Affiliated Title Company?

An affiliated title company is typically connected to or owned by another party in the real estate transaction—such as a real estate brokerage, mortgage lender, or homebuilder. These relationships are usually governed by what's called an Affiliated Business Arrangement (AfBA) and must be disclosed to you under federal law (RESPA).

Pros of Affiliated Title Companies:

• Convenience: You may be offered “one-stop shopping” for all your real estate services.

  
  
  
  

Cons of Affiliated Title Companies:

• Potential for conflict of interest: When your title company is financially tied to your realtor or lender, their loyalty might not lie with you.

• Less competitive pricing: These companies may bundle costs or charge more for convenience.

• Limited consumer choice: Buyers may feel pressured to use the affiliated company even though you have the legal right to choose your own.

  
  

What Is a Non-Affiliated Title Company?

A non-affiliated title company, like Sun National Title Company, operates independently of the real estate agents, lenders, or builders involved in the transaction. We work only for you—without the influence of outside relationships or financial interests.

Advantages of Non-Affiliated Title Companies:

• Objectivity and independence: We have no ties to any other party in your transaction. Our only job is to protect your interests.

• Competitive pricing: As an independent company, we work to keep our fees transparent and fair.

• Customer-first service: We pride ourselves on personal attention, proactive communication, and honest advice.

• Freedom of choice: We encourage buyers to shop around and understand that you’re not obligated to use a title company recommended by your agent or lender.

  
  

Why It Matters

Your title company holds your money in escrow, ensures the title is clear, and manages the closing process. This is not a step where you want to cut corners or allow convenience to outweigh caution.

Using an independent, non-affiliated title company ensures you get unbiased service, clearer communication, and more control over your transaction. At Sun National Title Company, we believe that homebuyers deserve transparency, protection, and peace of mind from start to finish.

The Bottom Line

Choosing a title company isn’t just a formality—it’s a critical decision that affects the outcome of your real estate transaction. Affiliated companies may offer convenience, but independence offers protection.

At Sun National Title Company, we’re proud to be a non-affiliated, client-focused title company dedicated to putting your interests first. When you work with us, you can trust that you're getting objective guidance, competitive pricing, and the attention you deserve.

Have questions? We’re here to help. Contact Sun National Title at 239-334-3321 today and let’s make your closing experience seamless and secure.