Home Town Title, LLC

Home Town Title, LLC Home Town Title, LLC with offices in Sauk Centre, St. At Home Town Title, LLC we believe it is our privilege to work for our clients.

Joseph and Alexandria is a licensed closing company in Minnesota and a title insurance agent for Old Republic Title. It is a locally owned non affiliated company with strong roots in Central Minnesota. Home Town Title, LLC was founded in 1998 by Margy Umhoefer and her husband Jim. Margy ran the company with different partners over the years, until 2005 when Tim Nelson became a silent partner, the

n in 2012, Tim took over as the sole owner of Home Town Title, LLC along with offices in Sauk Centre, Alexandria and St. Joseph, Servicing all on Minnesota specializing in Stearns, Douglas, Benton and Morrison Counties. We can handle commercial and residential closings as well as new construction. Thank you for your business.

Taking bids at the Holy Family School - Springfest (Sauk Centre) on our basket. Thank you!!!
02/18/2026

Taking bids at the Holy Family School - Springfest (Sauk Centre) on our basket. Thank you!!!

Ever wondered why escrow costs seem so high these days? In the last five years, they've jumped by a whopping 45%! But wh...
12/22/2025

Ever wondered why escrow costs seem so high these days? In the last five years, they've jumped by a whopping 45%! But what are buyers actually paying for?

At Home Town Title, we believe in unlocking transparency. From service fees to insurance, we break everything down for you: no hidden charges, no unanswered questions. Our team is here to guide you every step of the way, so you know exactly where your money is going on closing day. Got questions about your escrow statement, or want a real walkthrough? Drop a comment, send us a DM, or stop by for a chat!

Let’s make every dollar count and help you feel confident in your home buying process.

Big changes are coming for real estate deals! The new ALTA/NSPS Land Title Survey Standards drop in February 2026 and wi...
12/15/2025

Big changes are coming for real estate deals! The new ALTA/NSPS Land Title Survey Standards drop in February 2026 and will impact how surveys are handled for closings. If you’re an agent, lender, buyer, or seller, now’s the time to start preparing. The updates mean more clarity and detail when it comes to property surveys, which can affect insurance, boundaries, and transaction timelines. Not sure what’s changing or how it might affect your next closing? Reach out to our Home Town Title team with your questions: we’re here to help you get ready for a smooth transition!

Big news for real estate pros! Starting this year, FinCEN's new Geographic Targeting Order means title companies like ou...
12/15/2025

Big news for real estate pros! Starting this year, FinCEN's new Geographic Targeting Order means title companies like ours have fresh reporting requirements for cash deals. More forms, stricter ID checks, and extra steps for those all-cash transactions are the new normal in 2025. While it keeps everyone safer and helps fight fraud, we know it’s an adjustment!

How’s your team adapting to these changes? Facing any unique challenges or found tips to make compliance a breeze? Let’s help each other out: share your thoughts or advice below! We’re all in this together as the landscape evolves.

Ever feel confused about what you’re actually paying for when you buy a home? You’re not alone! Home buyers everywhere a...
12/08/2025

Ever feel confused about what you’re actually paying for when you buy a home? You’re not alone! Home buyers everywhere are asking for clear, upfront answers about title insurance costs: and for good reason. No more mystery fees or last minute surprises.

At Home Town Title, we believe you should know exactly what you’re getting and why it matters to your investment. That’s why transparency is our top priority, every step of the way. Got questions or curious about your options? Drop us a message or stop by: we’re here to make your real estate journey as smooth (and understandable!) as possible.

Is the lower mortgage rate tempting you back into the housing market? You're not alone: buying power is up and more buye...
12/01/2025

Is the lower mortgage rate tempting you back into the housing market? You're not alone: buying power is up and more buyers are looking to make a move in December! But before signing on the dotted line, remember: shopping for the lowest rate is just one part of the process. Think carefully about the total monthly payment, closing costs, insurance, and whether your dream home is really worth it in today’s market. Rates are easing, but that doesn’t mean every deal is a smart one.

If you need a hand understanding your options, Home Town Title is here to help you navigate your closing with confidence. Message us any time( your smart move starts with good info!)

Ever worry about AI scams targeting your real estate deals? 🤖Deepfake videos, voice clones, and forged documents are bec...
09/22/2025

Ever worry about AI scams targeting your real estate deals? 🤖

Deepfake videos, voice clones, and forged documents are becoming scary good at fooling people during closings. But here's the thing - we're staying one step ahead.

At Home Town Title, we use advanced verification tools, biometric checks, and multi-layer authentication to catch these fraudsters before they strike. We verify every identity, scrutinize every document, and make sure your closing is 100% legitimate.

Your biggest investment deserves bulletproof protection. That's what we do every single day.

Have you encountered any suspicious activity in your recent transactions? Drop a comment - we'd love to help you spot the red flags! 🛡️

Buying your first home? Here's the real talk about closing costs nobody warns you about.Most first-time buyers get hit w...
09/15/2025

Buying your first home? Here's the real talk about closing costs nobody warns you about.

Most first-time buyers get hit with a surprise: closing costs can run 2-5% of your loan amount. On a $300,000 home, that's $6,000-$15,000 you need ready at closing.

But here's what we tell our buyers at Home Town Title - some of these costs are actually negotiable. Your origination fees? Often flexible. Title services? You can shop around. Even sellers sometimes cover closing costs in today's market.

The big question everyone asks: "Do I really need owner's title insurance?" Short answer: your lender requires their policy, but yours is optional. We always explain the difference so you can decide what's right for your situation.

We've helped hundreds of first-time buyers navigate these costs without the confusion or surprise fees. Our job is making sure you understand every line item before you sign.

What's your biggest concern about closing costs as a first-time buyer?

Big changes coming to real estate closings in December 2025! New FinCEN reporting requirements will affect all-cash resi...
09/08/2025

Big changes coming to real estate closings in December 2025!

New FinCEN reporting requirements will affect all-cash residential deals where the buyer is an LLC, corporation, or trust. As your trusted title company, Home Town Title is already preparing by updating our processes and training our team.

What does this mean for you? We'll need to collect additional ownership information during the closing process, which may add a few extra steps to certain transactions. But don't worry - we're streamlining everything to keep your closings as smooth as possible.

The goal? Making real estate transactions more transparent and secure for everyone.

Have questions about how this might affect your upcoming closing? Drop them below or give us a call! We're here to guide you through every step.

What makes a title company truly dependable when your closing is on the line?After years in this business, we've learned...
09/01/2025

What makes a title company truly dependable when your closing is on the line?

After years in this business, we've learned it comes down to three things: accuracy that prevents last-minute surprises, clear communication that keeps everyone in the loop, and local expertise that knows exactly how things work in our market.

At Home Town Title, we handle both residential and commercial transactions with the same attention to detail. Our team stays on top of deadlines, solves problems quickly, and treats every closing like it's our own family buying or selling.

Because when you're counting on us, we don't just process paperwork - we protect your investment and make sure everything goes smoothly from contract to keys.

What's the most important quality you look for in a title company? Drop a comment below!

Ready for a stress-free closing experience? Give us a call today.

http://www.httitlecom

Your home closing should be exciting, not scary! At Home Town Title, we know fraud attempts are on the rise, so we've go...
08/26/2025

Your home closing should be exciting, not scary!

At Home Town Title, we know fraud attempts are on the rise, so we've got your back with multiple layers of protection. We use advanced identity verification to make sure everyone at the table is who they say they are. Our team gets regular training to spot suspicious activity, and we educate every client about wire fraud red flags.

Plus, we use secure, encrypted systems and multi-factor authentication to keep your sensitive information locked down tight. Because when you're making one of life's biggest investments, you deserve peace of mind.

What questions do you have about protecting yourself during your real estate transaction? Drop them below and let's keep our community informed and safe!

Address

710 County Road 75 East Suite 101
Saint Joseph, MN
56374

Opening Hours

Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm
Friday 8am - 4:30pm

Telephone

+13202711111

Website

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