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Real Estate Services

We are a boutique Title agency based in Springfield, Ohio. At City Title, we pride ourselves on excellence in handling all your real estate title needs.  A highly qualified team with years of experience will make you feel comfortable and safe throughout your transaction.

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Why City Title

A home purchase is the biggest investment people will make in their lifetime.

Sometimes, in a real estate transaction, there are bumps in the road. Our promise is to help you navigate these bumps and keep you informed every step of the way.

About Us Meet The Team

Our Services

Real estate transactions can be complex, but they don’t have to be stressful. Whether you are a first-time homebuyer or a seasoned investor, our team handles the heavy lifting—from exhaustive record searches to final document signing—so you can focus on the excitement of your new property.

What’s New in Our 2026 Policy?

Real estate risks evolve, and so does our protection.

For an additional 15% premium, you receive 19 new expanded coverages, including:

  • Post Policy Cloud on Title
  • Restrictive Covenant Violations
  • Building Permit Violations
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See what our recent customers had to say

Don’t just take our word for it—see what our customers had to say.

  • My mom had business with them. I came for support. They were very nice people. Very warm and welcoming. I highly recommend them.

    Kristin April 2025

  • Jack and Josie ... Thank You for your outstanding help ... You have helped our family and we are very Thankful.

    Tami October 2023

  • Have used them for decades. Thorough, precise, personable & attentive

    Michelle November 2023

What is Title Insurance?

Title Insurance is an indemnification contract with the insured and protects the insured over losses arising from defects or issues with their ownership or lien interest in the title to the real estate. Title Insurance not only insures over losses but also pays defense costs and attorney fees in defense of the insured’s interest.

What are the different types of Title Insurance?

Title insurance is an insured statement as to the condition of title or ownership rights to a property. There are two basic types of policies: Lender’s title insurance (loan policy) and ALTA Owner’s policy of title insurance (Standard). The loan policy ensures the amount of the mortgaged debt and protects the lender’s interest in the property. The owner’s policy is issued in the amount of the real estate purchase and protects the owner and his/her heirs forever.

Owner’s title insurance protects you against what you don’t know. It protects property owners against human errors of lawyers, surveyors, and others that may cause the owner financial loss. It also provides legal defense to property owners in all legal acts or proceedings alleging the title to be other than insured.

How much does it cost? All title insurance rates in Ohio are the same. The one-time premium is directly related to the value of your home. Typically, it is less expensive than your annual auto insurance! It is a one-time-only expense, paid when you purchase your home.

 

FAQ’s

Got questions about your closing? From payment methods to paperwork, we’ve grouped everything you need to know into the categories below for a smooth, stress-free experience.

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I’m not sure who to ask for when I call your office?

The office receptionist can direct your call based on your needs. All our staff members are listed on our website along with their specific areas of responsibility.

How do I get my buyer's loan to close with City Title?

Instruct your buyer and/or their loan officer to send us the order via fax or email.

Do you need my seller's SSN for any reason?

Yes. Please obtain Social Security numbers at the listing appointment. These are required to request and obtain payoff quotes for their current mortgage(s)

If my seller bought the property before marriage, does the spouse need to sign anything?

Yes. The spouse will need to sign the deed over to the new buyer at closing to convey their dower interest.

My buyer is married, but the spouse isn’t on the loan. Do they need to attend closing?

Yes. The spouse must sign the mortgage and other miscellaneous documents to register dower interest in the property.

My buyers are getting a VA loan. Does the termite report have to be an original?

Yes. FHA and VA loans require an original termite report that is less than 90 days old at the time of closing.

Can the seller tell me what title company I have to use?

No. Generally, whoever is paying for the title insurance has the right to select the title company.

Can you take personal checks at closing?

We accept a maximum of one personal check per buyer, not to exceed $1,000.

Are money orders considered "good funds"?

Yes. Acceptable “good funds” include money orders, certified checks, cashier’s checks, official checks, credit union checks, or wire transfers.

Can you take cash?

Yes, provided the amount does not exceed $9,999.99.

My seller is "upside down" and owes $792 at closing. Can he write a personal check?

No. Our policy requires certified funds for any amount owed by a seller at closing.

Can we show a $2,500 carpet allowance on the HUD?

If a lender is financing the transaction, their answer is typically no.

Can you cut a check directly to the buyer for the $2,500 repair allowance?

If the check cannot be cut to a third-party contractor, it is best handled outside of closing. We review these on a case-by-case basis, but the answer is “No” for 100% financing (Conventional or VA)

Our Promise to You

Real estate transactions occasionally hit bumps in the road. Our promise is to help you navigate those challenges and keep you informed every step of the way.

Get in touch with City Title

Contact an agent using our form for any questions or concerns.

Prefer to get in touch over the phone?

Call us on 937-324-5154 – 08:30 – 17:00, Mon – Fri

Prefer to get in touch over the phone?

Call us on 937-324-5154 – 08:30 – 17:00, Mon – Fri