New York Homebuyers & Homeowners

Whether you get to wake up every day and ride your bike on the highline in Manhattan or take a stroll down Grant Street in Brooklyn – it’s great being a proud homeowner in New York City!

We at Entitle Direct can offer you another reason why it’s great to live in NY – you have the potential to save more money on your title insurance premiums when you buy or refinance your home or condo!

Entitle Direct is a different kind of title insurance company. We help empower savvy consumers to take control of their mortgage process and reduce their closing costs. Licensed in 40 states, we have endeavored to file title insurance premiums in most of those states at up to a 25% discount.  However, there is one state in which we believe that we can save consumers as much as 35% on their title insurance premiums – that would be in the Empire State!  These potential closing cost savings can range from hundreds to even thousands of dollars depending on the size of your mortgage loan or home purchase price. 

Most of our competitors in New York use the same title insurance premiums filed through the Title Insurance Rate Service Association or "TIRSA" for short. We are not a member of TIRSA and our title insurance premium rates are currently 35% below TIRSA's standard rates. 

Title Insurance Premium Comparisons for Refinance Transactions in New York


Title Insurance Premium Comparisons for Purchase Transactions in New York


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Better understand the home buying process with this FREE Consumer Real Estate Smart Guide from Entitle Direct

All Title Companies Do NOT Charge The Same Amount

Title fees are not mandated by the State of New York. Title insurance companies can file and use whatever rates they choose provided they are approved by the Department of Financial Services.

You Select The Title Insurance Company

The choice is yours - not your real estate agent's, loan officer's or attorney's. You get to choose who to buy your title insurance from.

You Better Shop Around

Your mortgage lender will send you a Loan Estimate form. Section C shows the services you can shop around for. We suggest you get quotes from Entitle Direct and other New York licensed title insurance providers to try to minimize these fees in their aggregate. For home purchases remember to add the cost of the optional Owner's policy in Section H of your Loan Estimate Form when comparing the quote you get from us.

Time Is Of The Essence

Choosing your title insurance provider is not something you can leave until the last minute. The title company needs 7-21 days to complete its work. The clock is ticking on your rate lock. If you want to exercise your right to shop around and save, you need to act fast!

What Makes Us Unique in the Title Insurance Industry in New York?

  • Title insurance companies can file requested title insurance premium  rates with the Department of Financial Services ("DFS")
  • Once those rates are approved by DFS they become in effect
  • All title insurance companies who are part of TIRSA charge the same  rates for title insurance premiums
  • EnTitle Insurance Company, our title insurance company, is proud  NOT to have filed its rates through TIRSA
  • This makes it very easy to compare our title insurance premium rates  against most of our competitors in New York
  • We've issued more than 50,000 title insurance policies since our  inception alongside the vast majority of mortgage lenders

Why Pay More For Title Insurance?

Get a Quote and Compare our Pricing

New York Homebuyers

It is customary in New York that the homebuyer is responsible for obtaining and paying for title insurance. By using Entitle Direct you can save up to 35% on your title insurance premium. If you are working with a real estate agent, lender, and / or attorney, let them know that title insurance is YOUR CHOICE.

Refinancing in NY and Title Insurance

Lenders generally require title insurance on refinances for their own protection, and it is you the borrower that typically pays for it. Remember, you have the right to choose your title insurance company, and with Entitle Direct you can potentially save hundreds or thousands on your closing. We encourage you to shop around in New York for title insurance which is a great way to reduce your closings costs.

Links to Additional Consumer Resources


Ready to get a quote or order title? Please call the Specialist Center at 877-936-8485 between the hours of 8am - 7pm (ET) Monday-Friday or e-mail us.