Express Title & Closing

Express Title & Closing Express Title & Closing is a title and escrow company serving Tennessee! Close anytime anywhere!

Today marks 25 years since September 11, 2001.We pause to remember the lives lost, honor the heroes who ran toward dange...
09/11/2026

Today marks 25 years since September 11, 2001.

We pause to remember the lives lost, honor the heroes who ran toward danger, and stand with the families forever changed.

May we never forget the courage, sacrifice, and unity our nation showed that day. 🇺🇸

From all of us at Express Title & Closing—We Remember.

What was the best part of your weekend? ⛰️🏡Family, great food, beautiful weather—or maybe an Open House, new listing, or...
09/08/2026

What was the best part of your weekend? ⛰️🏡

Family, great food, beautiful weather—or maybe an Open House, new listing, or accepted contract?

Drop your weekend win in the comments! 👇

Holiday weekends bring a change of pace—but fraud doesn’t take time off. 🔒Before sending money, slow down and verify all...
09/04/2026

Holiday weekends bring a change of pace—but fraud doesn’t take time off. 🔒

Before sending money, slow down and verify all wiring instructions by calling a trusted number you already have. If something changes at the last minute, stop and contact your closing team.

One phone call could protect your entire transaction.

09/03/2026

🏡 YOUR LENDER’S POLICY MAY NOT PROTECT YOU.

That was one of the biggest takeaways from our Title Policy Series. Similar names—but very different protection:

🏦 Lender’s Loan Policy protects the lender’s interest in the loan.

🛡️ ALTA Owner’s Policy helps protect the homebuyer’s ownership against covered title problems generally connected to events before closing.

🏠 ALTA Homeowner’s Policy may provide broader protection for qualifying residential buyers, including certain post-closing risks.

🔑 ALTA 13-06 Endorsement provides specialized protection for an insured leasehold interest—not typical ownership of both the home and land.

The bottom line: Don’t just ask whether title insurance is being issued. Ask who the policy protects and what protection may be available to you.

At Express Title & Closing, we help explain your policy options so you can make an informed decision before signing at the closing table.

Which policy surprised you the most? Let us know below! 👇

Coverage and eligibility are subject to policy terms, exclusions, exceptions and underwriting approval.

🏡 FOUR POLICY OPTIONS. FOUR DIFFERENT TYPES OF PROTECTION.We’ve officially wrapped up our Express Title Policy Series! H...
09/02/2026

🏡 FOUR POLICY OPTIONS. FOUR DIFFERENT TYPES OF PROTECTION.

We’ve officially wrapped up our Express Title Policy Series! Here’s the quick recap:

🏦 **Lender’s Loan Policy**
Protects the lender’s financial interest—not the homebuyer or their equity.

🛡️ **ALTA Owner’s Policy**
Helps protect the buyer’s ownership against covered title problems generally connected to events before closing.

🏠 **ALTA Homeowner’s Policy**
May provide broader protection for qualifying residential buyers, including certain post-closing risks.

🔑 **ALTA 13-06 Endorsement**
Specialized protection for an insured leasehold interest—not typical ownership of both the home and land.

The biggest lesson? **Policies with similar names can provide very different protection.**

At Express Title & Closing, we help explain your available options so you can make an informed decision before signing at the closing table.

Which policy taught you something new? Tell us below! 👇

*Coverage and eligibility are subject to policy terms, exclusions, exceptions and underwriting approval.*

🛡️ TITLE POLICY SERIES: ALTA OWNER’S POLICYYour lender’s title policy protects the loan—but what helps protect **your ow...
09/01/2026

🛡️ TITLE POLICY SERIES: ALTA OWNER’S POLICY

Your lender’s title policy protects the loan—but what helps protect **your ownership and equity**?

An ALTA Owner’s Policy provides homebuyers with protection against covered title problems generally connected to events that occurred before closing, even if the problem is discovered later.

Coverage may include:

âś… Someone else claiming ownership
âś… Undisclosed liens or assessments
âś… Forged or improperly signed documents
âś… Certain fraud or impersonation in the title history
âś… Recording errors
âś… Lack of legal access
âś… Legal defense costs for a covered claim

A thorough title search helps identify problems before closing, but some hidden issues may not appear in the public records. That is where an Owner’s Policy can provide another important layer of protection.

It is generally purchased with a one-time premium at closing and may remain in effect for as long as the insured retains an interest in the property, subject to the policy terms.

The simple takeaway: **The lender protects its loan. An Owner’s Policy helps protect what belongs to you.**

*Coverage is subject to the issued policy’s terms, exclusions, exceptions and underwriting requirements.*

🔑 TITLE POLICY SERIES: ALTA 13-06 ENDORSEMENTWhat if you have the right to use a property—but don’t actually own the lan...
08/31/2026

🔑 TITLE POLICY SERIES: ALTA 13-06 ENDORSEMENT

What if you have the right to use a property—but don’t actually own the land?

That’s called a **leasehold interest**. The ALTA 13-06 Endorsement adds specialized protection for certain covered losses affecting that insured leasehold interest.

A leasehold is different from traditional **fee-simple ownership**, where the buyer typically owns both the home and the land beneath it. Because the ownership rights are different, the title protection must be different too.

Most traditional East Tennessee homebuyers will not need this endorsement—but understanding how you hold title is an important part of every transaction.

At Express Title & Closing, we help explain the available policy options so you can make an informed decision before closing.

*Coverage is subject to policy terms, exclusions, exceptions, eligibility and underwriting approval.*

🔑 TITLE POLICY SERIES: ALTA 13-06 ENDORSEMENTWe’re wrapping up this week’s series with a policy option most traditional ...
08/28/2026

🔑 TITLE POLICY SERIES: ALTA 13-06 ENDORSEMENT

We’re wrapping up this week’s series with a policy option most traditional homebuyers may never need—but it’s important to understand the difference.

The ALTA 13-06 Endorsement is designed for an insured **leasehold interest**. This means someone has the legal right to use and occupy the property under a lease, while someone else owns the land.

âś… What it does:

• Adds specialized protection for certain covered losses affecting the insured leasehold interest
• Addresses ownership rights created through a lease
• Works with an Owner’s Policy when the transaction involves a qualifying leasehold

⚠️ What homebuyers should know:

A leasehold interest is different from **fee-simple ownership**, where the buyer typically owns both the home and the land. For most traditional residential purchases in East Tennessee, this endorsement would not apply.

The simple takeaway: **Different ownership structures require different title protection.**

At Express Title & Closing, we help identify the type of ownership involved and explain the available policy options before you close.

*Coverage is subject to policy terms, exclusions, exceptions, eligibility and underwriting approval.*

🛡️ TITLE POLICY SERIES: ALTA OWNER’S POLICYYesterday, we explained that a Lender’s Loan Policy protects the lender. Toda...
08/27/2026

🛡️ TITLE POLICY SERIES: ALTA OWNER’S POLICY

Yesterday, we explained that a Lender’s Loan Policy protects the lender. Today, let’s talk about the policy designed to help protect the homebuyer.

An ALTA Owner’s Policy provides protection against covered title problems generally connected to events that occurred before closing—even if the issue is discovered afterward.

âś… What it may protect against:

• Someone else claiming ownership
• Undisclosed liens or assessments
• Forged or improperly signed documents
• Certain fraud or impersonation in the title history
• Recording errors
• Lack of legal access
• Unmarketable title
• Legal defense expenses for a covered claim

🏡 Why it matters:

A title search helps uncover problems before closing, but some hidden issues may not appear in the public records. An Owner’s Policy provides an additional layer of protection for your ownership rights and home equity.

⚠️ What buyers should understand:

An Owner’s Policy does not cover every possible property issue. Coverage is subject to the policy’s terms, exclusions, exceptions and underwriting requirements.

Unlike the lender’s policy, an Owner’s Policy protects the buyer and is purchased with a one-time premium at closing. Coverage generally continues for as long as the insured retains an interest in the property, subject to the policy terms.

The simple takeaway: Your lender protects its loan. An Owner’s Policy helps protect what belongs to you.

Follow Express Title & Closing—next in our series, we’ll explain the broader protection that may be available through an ALTA Homeowner’s Policy.

Address

508 Princeton Road
Johnson City, TN
37601

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

(423) 434-9200

Website

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