A Title Agency é uma importante peça no processo de aquisição de propriedades nos Estados Unidos a , que é correlata ao Cartório no Brasil.

Uma função da Title Agency é garantir que toda a transação está sendo feita conforme os termos da Lei e dos contratos entre compradores e vendedores.

Além de fornecer a escritura para o comprador, a Title Agency é a responsável por receber todos os depósitos antes de finalizar a operação.

Assim, diferentemente do Brasil, quando alguém compra um imóvel nos Estados Unidos, o dinheiro da compra é depositado na conta da Title Agency, que atua como agente fiduciário, através da guarda dos recursos financeiros até que a operação se complete. Resguarda, assim, o comprador de pagar e não levar.

Sendo assim, a Title Agency é responsável por transferir a escritura do vendedor para o comprador. Porém, ela também somente o fará quando verificar que todos os procedimentos legais e contratuais foram concluídos, inclusive com o pagamento dos montantes financeiros pelo comprador, através do depósito na conta da Title Agency.

Desta forma, apenas quando a Title Agency entende que todos os documentos e procedimentos foram concluídos e que o montante depositado pelo comprador está correto, as posições são trocadas de mão: o dinheiro vai para o vendedor e os documentos para o comprador.

Este modelo de negócios imobiliários reduz, significativamente, os riscos para ambas as partes.


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