Can a Seller Require a Particular Title Company?
By JC Pacific Corp Published 2026-09-01 Last professionally reviewed: September 2026
A seller may propose a particular title or escrow provider as part of the transaction, but applicable federal rules and the negotiated agreement may limit whether the buyer can be required to use a particular title insurer.
Why Does Payment Matter?
Federal law contains restrictions involving a seller requiring a buyer to purchase title insurance from a particular company in covered transactions. The Consumer Financial Protection Bureau's Regulation X contains the applicable RESPA regulations.
See CFPB Regulation X (12 CFR 1024) .
What Should the Offer Clarify?
- Title provider
- Escrow provider
- Who pays each policy or service
- Lender requirements
- Buyer's right to shop
- Requested endorsements
- Any affiliated-business relationship
Frequently Asked Questions
Can the seller recommend a company?
Yes. Recommendation and lawful negotiation are different from an impermissible required purchase.
Can the buyer request another provider?
Yes. The seller may accept, reject or counter the request, subject to applicable law.
Should the buyer sign without understanding the provider?
No.
Ask who selected the company, who is paying and whether applicable consumer-choice rules apply.
Related guides
All 25 guidesPut this guide to work
The next step is a conversation with a local agent.
JC Pacific Corp is an Irvine-based Southern California brokerage helping buyers navigate offers, escrow, and financing. Tell us what you are looking for and we will point you to current options across the region.
A note on legal advice: These guides provide general, educational information about California real estate practice. They are not legal advice and do not create an attorney-client relationship. Mortgage information is general education, not individualized lending, tax or legal guidance. For advice about your specific offer, contract, closing or financing, consult a qualified California real estate attorney and a qualified mortgage professional.