Title & Closing Services
What We Do
Full-Service Title & Escrow for Every Transaction
From first-time homebuyers to commercial developers, STX TITLE COMPANY, LLC provides comprehensive title and escrow services throughout the Rio Grande Valley and Texas.
01.
Integrity in Every File
We operate with full transparency at every step of the closing process. No surprises, no hidden costs, and no ambiguity at the closing table. You will always know exactly where things stand.
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02.
Proactive Problem-Solving
Title issues don’t wait until closing day — and neither do we. Our team identifies and resolves defects, liens, and requirements early so your transaction stays on track and on time.
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03.
Personal Attention
At STX Title, you are not just a file number. We provide real answers from real people and make sure every buyer, seller, agent, and lender is kept in the loop from open order to recorded policy.
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04.
Builder & New Construction
Builders and developers trust STX Title Company to deliver consistent, on-schedule closings throughout the construction process. We manage phase scheduling, buyer communication, and closing execution — keeping your projects moving throughout South Texas.
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05.
Due Diligence
Before any property changes hands, a thorough title examination is essential. Our experienced examiners search and analyze public records to identify any issues affecting title and issue a commitment outlining Schedule A and Schedule B requirements and exceptions — protecting all parties in the transaction.
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06.
Escrow Administration
Proper escrow management is critical to every closing. STX TITLE COMPANY, LLC handles earnest money management, payoff verification, prorations, funding conditions, and final disbursement — with a complete audit trail so every dollar is accounted for.
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07.
Clean Title, Fewer Surprises
Our proactive title review identifies and resolves defects early — before they become closing-day problems. We protect buyers, sellers, and lenders with thorough examination and clear communication at every step of the transaction.
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Title & Escrow Services
Contact STX TITLE COMPANY, LLC today for any transaction type throughout the Rio Grande Valley and Texas.
New to closing? Our step-by-step closing process explains what happens between contract and funding. You will also find closing cost information and forms in our title resources.
Contact STX Title
(956) 357-0010
Title & Escrow Questions Rio Grande Valley Buyers Ask
What does a title company actually do before my closing?
Most of the work happens long before you see a settlement statement. We search the public record back through the chain of ownership for anything that could cloud your right to the property: unreleased liens, unpaid taxes, judgments against a previous owner, easements, boundary discrepancies, or an estate that was never properly administered. Whatever turns up has to be cured before the file can close. That search is why title insurance exists, and it is why a clean closing rarely feels dramatic.
What is the difference between an owner policy and a lender policy?
The lender policy protects the lender’s security interest for the amount of the loan and shrinks as that loan is paid down. It protects them, not you. The owner policy protects your equity for as long as you or your heirs hold an interest in the property, and it does not decrease. In Texas the seller customarily pays for the owner policy and the buyer for the lender policy, but that is custom rather than law and it is negotiable in the contract.
Are title insurance rates the same at every company in Texas?
Yes. Texas is a promulgated-rate state, so the premium for a given policy amount is set by the Texas Department of Insurance and is identical whichever underwriter or agent you use. What differs between companies is the escrow and closing fees, how fast the commitment is issued, whether curative work starts the day a problem is found or the week before closing, and whether you can reach a person who actually knows your file.
Who chooses the title company in a Texas transaction?
Whoever pays for the owner policy has the strongest say, which in most Rio Grande Valley contracts means the seller. In practice the choice is often written into the contract or suggested by an agent. It is worth knowing you are entitled to ask for a different one, and that because the premium is fixed by the state you are never choosing on price. You are choosing on how the file will be handled.
What delays a closing, and how do you prevent it?
The usual culprits are a lien nobody knew about, an heirship problem where a deceased owner’s estate was never administered, a survey that does not match the legal description, a missing release on a loan that was paid off years ago, and lender conditions arriving late. Every one of them takes time to cure, and time is exactly what a contract deadline does not give you. We open the search immediately and raise problems while there is still room to solve them. See our closing process for how a file moves through the office.
Do you handle commercial and new-construction closings?
Yes. Commercial files carry entity documents, resolutions, assignments of leases and rents and often several lienholders, and they need someone who has handled them before. Builder and new-construction closings run to a different rhythm again, with mechanic’s lien releases, affidavits of completion and a schedule that has to hold across many units at once. Both are routine work here. See our resources, or contact us to talk a transaction through.