Michiana Title, LLC

02/06/2026

New federal reporting rules are coming that will impact real estate closings.

Starting March 1, 2026, FinCEN requires additional information for certain transactions (especially those involving entities like LLCs and trusts).

Important takeaway:
👉 If the required information is not provided, we are legally prohibited from closing.

If you’re an investor or agent with deals in the pipeline, now is the time to prepare so your closing doesn’t get delayed.

12/11/2025

Looking for a great way to spread some holiday cheer? You can contact the Center For The Homeless to adopt a guest or family this holiday season by emailing [email protected]

11/10/2025

As you’re shopping and preparing for Thanksgiving, consider picking up a few extra items to help support the Center for the Homeless here in South Bend.

Donations are needed by November 17th, and every little bit helps make someone’s holiday brighter.

🏠 Drop off: 813 S Michigan St, South Bend, IN 46601

09/30/2025

Good news! This deadline has been pushed out to March 1, 2026.

Beginning December 1, 2025, FinCEN will require reporting for all residential transfers of real property to a legal entity or trust that are non-financed. It’s important to note that ‘residential real property’ extends beyond traditional, single-family homes, and ‘non-financed’ includes more than just all-cash transactions.

FinCEN required reports must be entered, uploaded and submitted to FinCEN by the later of either the final day of the month following the month in which the date of closing occurred, or 30 calendar days after the date of closing.

Key Highlights of the Rule:
✔ Aims to prevent money laundering, financial crimes and other illicit activities
✔ Applies nationwide, across ALL counties in the United States (no county is exempt)
✔ Targets non-financed transfers (beyond just all-cash transactions)
✔ Introduces new compliance requirements, including reporting and record-keeping
✔ Non-compliance may result in penalties and legal action

Want to know more about the new FinCEN AML rule? Visit our resource hub, complete with explainer videos and a list of FAQs here: stewart.com/fincen-aml

09/17/2025

📢 Big Changes Coming to Real Estate Closings — Here’s What You Need to Know!

Starting December 1, 2025, the U.S. Treasury’s FinCEN (Financial Crimes Enforcement Network) is requiring title and settlement companies nationwide — including Michiana Title — to collect and report information about certain all-cash real estate purchases.

🔑 What this means:
If a property is being purchased without a mortgage and the buyer is using a legal entity (like an LLC or trust), we will be required to gather information about the people behind that entity — including names, dates of birth, addresses, and a copy of a government-issued ID — and report it to FinCEN.

👥 Who is not affected:

Buyers purchasing in their personal names (not through an entity or trust)

Buyers who are getting a mortgage or other financing through a bank

Transactions like divorce settlements, inheritance transfers, or other exempt transfers

💡 Our promise:
At Michiana Title, your privacy is our priority. We will collect and store this information securely using encrypted systems, limit access to authorized staff, and follow strict federal guidelines to protect your data.

🏡 Why this matters:
These new rules are designed to combat money laundering and increase transparency in real estate — helping keep our communities safe and our market fair.

If you have questions about how this change might affect your upcoming closing, give us a call! Our experienced team is here to guide you every step of the way.

📞 Michiana Title – Your Trusted Local Title Experts

06/18/2025

Thanks so much Michiana Realty!! These are so awesome! Sorry I missed you when you snuck in!

03/27/2025

Michiana Title’s TOP athletes are on their way to represent in the Michiana Real Producer’s Pickleball tournament! Go Team!

03/24/2025

Buying Property from a Foreign Seller? Here's What You Need to Know About FIRPTA! 🔹

Did you know that if you’re purchasing real estate from a foreign seller, you might be responsible for withholding taxes under the Foreign Investment in Real Property Tax Act (FIRPTA)? 🤔

🇺🇸 FIRPTA requires 15% of the sale price to be withheld and sent to the IRS—unless exemptions apply. But don’t worry, Michiana Title is here to handle the entire process for you! ✅

Here’s how we help our buyers:
✔ Determine if FIRPTA applies and calculate the required withholding.
✔ Prepare and file IRS Forms 8288 & 8288-A correctly.
✔ Ensure timely payment to the IRS to prevent penalties.
✔ Keep you informed every step of the way so there are no surprises at closing.

At Michiana Title, we make the closing process smooth, even when FIRPTA is involved! If you have questions or are buying a property from a foreign seller, give us a call today 📞—we’ve got you covered! 574-607-7610

03/13/2025

We appreciate all our wonderful friends and colleagues who attended our open house today! It's thrilling for us to have a more central location with space for expansion. The support from this community has been exceptional, and we look forward to further contributing to the Michiana real estate market.

03/12/2025

Come join us for tacos 🌮 today!