Escrow vs Title What’s the Difference and Why It Matters in Florida

Many clients (and even some agents) confuse the roles of the escrow holder and the title company. In Florida, these roles often overlap—but they’re not the same.

Understanding who handles what, helps you explain the process to clients, avoid confusion, and spot problems before they escalate.

Title = Clearing Ownership and Insuring It

Title companies research the property’s ownership history, clear any liens, and issue title insurance to protect the buyer and lender from past defects.

Escrow = Holding the Money Safely

Escrow is the neutral third party that holds funds during the transaction—earnest money, loan proceeds, and final payments—until all contract conditions are met.

Sometimes It’s the Same Company (Like Us), but It’s Still Two Functions

MG American Title handles both title and escrow services—but we always make sure each function is treated with care, neutrality, and legal compliance.

Why This Matters for Agents

• You’ll be able to answer questions confidently when clients ask, “Who holds the money?” or “Who’s clearing the title?”

• We can walk you through both sides of the process—start to finish.

🔑 Quick Tip for Realtors:

When explaining to clients, try: “Title protects ownership. Escrow protects the money. Work With MG American Title handles both—so nothing falls through the cracks.”

Want help explaining this to your client or team? We’re always here to make the process clearer.