Everything between the contract and the recorded deed.
Search, examination, insurance, settlement and recording — handled in one office by people whose names you will learn.
Owner’s title insurance
A one-time premium at closing that protects your ownership for as long as you hold the property — against forged deeds, undisclosed heirs, recording errors, fraud and defects no search could have surfaced. It continues to protect you long after the mortgage is paid off.
Lender’s title insurance
Required by virtually every mortgage lender. It protects the lender’s security interest in the property — not the buyer’s equity. That is why both policies are typically issued at a New Jersey closing, and why the simultaneous rate matters.
Title search & examination
We reconstruct the chain of ownership and surface everything recorded against the property: mortgages, judgments, municipal and tax liens, child support liens, easements, restrictions, estate issues and open permits. Where it matters, our examiners search in person at the courthouse.
Settlement & closing services
We prepare the settlement statement, order and track payoffs, collect and disburse funds through reconciled escrow, conduct the closing with a settlement officer present, and record in the county. Same week, not same month.
Commercial & investor title
Apartment buildings, mixed use, retail and industrial. Entity vestings, assignments, double closings, tax sale certificate foreclosures, ALTA surveys coordination and high-liability policies with the endorsements institutional lenders expect.
Notary & document services
In-house New Jersey notaries, deed preparation, affidavits of title, power of attorney review, and coordination of mail-away and out-of-state signings when a party cannot attend.
No mystery numbers.
Title charges in New Jersey follow a filed rate structure, and the government fees are published. You should never get a settlement statement with a line item you have not seen before.
| Charge | Who customarily pays | How it is set |
|---|---|---|
| Owner’s title policy | Buyer | Filed rate, based on purchase price |
| Lender’s title policy | Buyer | Simultaneous-issue rate when issued with the owner’s policy |
| Title search & examination | Buyer | Flat fee by property type |
| Settlement / closing fee | Buyer & seller | Flat fee per side |
| NJ Realty Transfer Fee | Seller | Statutory, per $500 of consideration |
| Graduated fee on $1M+ transfers | Seller (since July 10, 2025) | Statutory, 1%–3.5% by price band |
| Recording fees | Buyer | Set by the county clerk |
Let’s get your file opened.
Two minutes online, or one phone call. Either way you are talking to the office that does the work.
Or call (856) 228-1220 — Mon–Thur 9–5, Fri 9–4, Sat Sun Closed.