09/04/2026
🏡 What Does “Title” Really Mean When You Buy a Home in Los Angeles?
You found the right home. Your offer was accepted. Escrow is open. Then you hear two words that can make any buyer pause: “clean title.”
But what exactly is title—and why does it matter?
Title represents your legal ownership and bundle of rights to the property. During escrow, a Preliminary Title Report helps uncover potential issues such as:
• Liens or unpaid debts
• Easements and property restrictions
• Unreleased mortgages
• HOA claims or unpaid dues
• Recording errors or other title defects
And then there’s Title Insurance—an important safeguard that can protect your ownership and equity from certain hidden issues originating in the past.
In Los Angeles County, local customs can also influence who typically pays for certain closing costs, including the Owner’s Title Policy, Lender’s Title Policy, and escrow fees. While these are customary practices, the purchase agreement ultimately determines who pays what—and costs can be negotiated.
Understanding title before you close can help you avoid surprises and protect one of your biggest investments.
🎥 Watch the full video for a breakdown of California title, LA County customs, Preliminary Title Reports, and title insurance.
Thinking about buying or selling in Los Angeles? Let’s make sure you understand what you’re signing before you get to the closing table.
