EP 294: What You Should Know About Title Insurance with Rachel Luna

biggerpockets entrepreneur investher investing investor realestate titleinsurance womeninconstruction womeninfinance womeninrealestate Aug 12, 2022


Title insurance protects real estate buyers and lenders from financial loss due to defects in the title of the property, and every investor should consider title insurance a vital part of the buying process.


“Texas Title Queen” Rachel Luna joins us today to talk about best practices for purchasing title insurance. She goes over the rates and fees involved in the transaction, what mistakes to avoid, and how we can leverage our relationships to find the right title insurance company for our business. She also gives her perspective on the impact of digitization and cryptocurrency in the title real estate industry and the way it is evolving for the future. 


With 11k+ followers on Instagram, Rachel has amassed a following with her dynamic personality and fabulous brand. She is a principal at Patriot Title Company and is one of just two women who own a medium-sized title business in Texas. She is also an expert in real estate escrow and closing service and has over 20 years of experience in the real estate industry. As a powerful female entrepreneur, Rachel distinguishes herself outside the norm of title insurance by modernizing how the industry is portrayed and sharing her climb to the top from humble beginnings.  



• “That's what the title insurance company does. We’re writing insurance. If anything comes up, we, as a title company, are liable to pay that, and we have the full accountability.”(7:44 -7:52)

• “Get  title insurance. It protects you. It's the right way to go, especially if you're investing and putting your money into a deal. Do not risk your money.” (9:11-9:18)

• “I would always ask your title company what do you charge for your legal fees? What do you charge for your escrow settlement fees?” (12:28- 12:35)

• “Cryptocurrency and all of the above in reference to Bitcoin and everything else, it's here to stay.  The title industry, which is a very regulated conservative industry, has acknowledged it.”(18:48-19:01)

• “You do need a relationship with your title company to understand your business plan and what type of properties you're buying so they can know how to look at the title and how to dissect it for you.” (21:57-22:07)

• “The title company is going to be more receptive if it’s a referral from someone who's already doing business with them.” (22:55-23:00)


Connect with Rachel:

Website: https://www.patriottitletx.com/

Facebook: https://www.facebook.com/RachelTexasTitleQueen/

Instagram: @racheltexastitlequeen

Twitter: @TexasTitleQueen


Resource mentioned: 


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