Horace

Name: Secure Title, Inc.
Address: 3140 Bluestem Dr #105 West Fargo, ND 58078, West Fargo, ND, US
Telephone: (701) 660-5887

Home / North Dakota / Horace

Horace Title & Escrow Services — Reliable Protection for Every Closing

Whether you are purchasing a newly constructed home, selling residential property, refinancing your mortgage, or investing in commercial real estate in Horace, Secure Title Company delivers dependable title and escrow services that protect your ownership rights from contract through final recording.

We proudly assist buyers, sellers, Realtors®, lenders, builders, and investors throughout the Horace area. With strong knowledge of the local market and responsive communication, our team ensures each closing is handled accurately, efficiently, and with personalized attention.

Understanding Real Estate Closings in Horace

Local Closing Standards

Horace follows North Dakota real estate procedures. Attorney involvement is not required for most standard property transactions, giving buyers and sellers the flexibility to select their preferred title company. While owner’s title insurance is optional, it is strongly recommended for long-term protection. Lender’s title insurance is typically required when financing is involved.

Title Insurance Costs

Title insurance premiums are regulated by the state and are based primarily on the property’s purchase price. For example, a $300,000 home falls within a standard premium range set by North Dakota guidelines. Unlike other types of insurance, title insurance is a one-time payment that provides protection for as long as you own the property.

Who Pays for Title Insurance?

In many Horace transactions, sellers customarily pay for the owner’s policy, while buyers who obtain financing cover the lender’s policy. However, these costs are negotiable and can be structured within the purchase agreement.

Important Title Considerations in Horace

New Construction & Growing Developments

Horace continues to expand with new residential developments. These properties may involve builder warranties, subdivision covenants, utility easements, and plat restrictions that must be carefully reviewed before closing.

Agricultural & Transitional Land

Some properties in and around Horace include farmland or land transitioning into residential use. These transactions may require examination of access rights, drainage agreements, acreage splits, and zoning classifications.

Residential Subdivisions & HOA Communities

Homes located within planned communities may include homeowners association documents, restrictive covenants, shared maintenance agreements, and architectural guidelines that affect ownership transfer.

Commercial & Mixed-Use Property

Office spaces, retail buildings, and service-based properties require detailed review of leases, recorded liens, UCC filings, zoning compliance, and any encumbrances affecting title.

Full-Service Title & Escrow Solutions for Horace

Residential & Commercial Closings

We manage closings for single-family homes, lake properties, investment properties, retail buildings, and land purchases in and around Horace. Whether it’s a cash sale or a financed transaction, we handle every detail with precision.

Owner’s & Lender’s Title Insurance

Protect your ownership rights with comprehensive title insurance policies, including owner’s and lender’s coverage backed by nationally recognized underwriters.

Convenient Real Estate Closing Options

Enjoy flexible real estate closing options designed for your convenience — in-office signings, mobile closings at your location, or secure Remote Online Notarization (RON).

Accurate Document Preparation

We prepare all required closing documents in compliance with North Dakota and Cass County regulations, including deeds, affidavits, settlement statements, and transfer documentation.

How Secure Title Ensures a Smooth Closing in Horace

Open the Title Order

Contact our office by phone, email, or online form to begin. We collect transaction details and assign a dedicated title professional to oversee your file from start to finish.

Conduct a Thorough Title Search

We perform a comprehensive review of county land records, tax databases, court judgments, mortgage filings, and federal lien records. A licensed examiner evaluates the full chain of title and prepares a preliminary report identifying any issues.

Resolve Issues & Issue Commitment

If liens, documentation discrepancies, or ownership conflicts are discovered, we work proactively to resolve them. Once cleared, we issue a title commitment outlining coverage and closing conditions.

Coordinate Closing

Our team works closely with agents, lenders, and all involved parties to finalize documents, confirm funding instructions, and schedule the signing appointment.

Sign, Fund & Record

On closing day, documents are executed and funds are securely disbursed. We record all required documents with the appropriate county office and promptly issue final title insurance policies.

Serving Horace & Surrounding Communities

Primary Service Area

Regional Coverage

Our Service Area

Phone-

(701) 660-5887

Email id-

info@securetitlecompany.com

testimonials

What our clients say

Secure Title is the best closing company in town. As a realtor, I make sure to send all of my clients here because they are constantly going above and beyond and make sure to provide a great experience for every one of my clients! I’m impressed again and again every time I have a closing here. Thank you Secure Title for providing such a great service for the FM area!

Spencer Hron

Since Secure Title started, I have sent all my clients there to close. The big reason why is because how welcoming and accommodating they have been to help make my clients feel welcomed and excited to either close on their brand new home or sell their home. I would highly recommend choosing Secure Title as your closing company.

Jacob Keller

Secure Title is the best! Sasha and her team are the best in town, there’s nowhere else I trust more to take care of my clients! They are professional, detailed and their hospitality are second to none!

Josh Jaster

We LOVE Secure Title. Exceptional title services, fast and personable! They never fail! The staff is amazing, creating a brilliant team with the lenders in town!

Missie Schumaier

Begin Your Horace Transaction in Three Simple Steps

Contact Our Office

Call, email, or submit our online form to initiate your title order. We respond promptly during business hours to begin processing your transaction.

We Manage the Process

From title research through final recording, your assigned title professional coordinates every detail and keeps you informed throughout the closing process.

Close with Confidence

Choose your preferred signing option and complete your transaction knowing your ownership rights are protected with reliable title insurance coverage.

Area We Serve in North Dakota

Secure Title Company proudly provides professional title and closing services across multiple communities in North Dakota. Our team supports buyers, sellers, real estate agents, and lenders with reliable title solutions throughout the region.

Frequently Asked Questions

1. What services does a title company in Horace provide?

A title company in Horace provides services such as title searches, title insurance, escrow services, document preparation, and real estate closing coordination to ensure property transactions are completed securely and legally.

2. Why is title insurance important when buying property in Horace?

Title insurance protects buyers and lenders from potential issues such as unpaid liens, ownership disputes, or errors in public records that may affect property ownership after the purchase.

3. How long does a real estate closing take in Horace, North Dakota?

The closing process in Horace typically takes about 20–30 days after an offer is accepted, depending on factors such as financing approval, title search results, and document preparation.

4. What is included in a title search?

A title search reviews public records to verify the legal ownership of a property and identify any outstanding liens, claims, easements, or other issues that could impact the transfer of ownership.

5. Do I need a title company for cash real estate transactions in Horace?

Yes, even for cash purchases, a title company in Horace helps ensure the title is clear, manages escrow funds, prepares closing documents, and records the transaction properly with the county.

Protect Your Horace Investment with Confidence

Real estate transactions in Horace often involve expanding neighborhoods, agricultural land transitions, and new residential developments. Secure Title Company provides the structured process, local knowledge, and dependable protection necessary to ensure your transaction closes smoothly and securely.

When you choose experienced title and escrow professionals, you gain peace of mind knowing your ownership rights are protected today and in the future.