What is Title?

When buying or selling real estate, both parties need fast and accurate information regarding the title to the real property involved. As a preliminary step to issuing title insurance, title searchers go through available public records to check legal ownership and recorded liens or encumbrances that affect the property. Title Guaranty of Hawaii’s Title Officers are able to identify outstanding title issues, and in many cases, help resolve them.

Title insurance protects your property against claims of ownership or defects in the title. A one-time premium keeps the policy in force as long as you own the property, and it offers you peace of mind.

The TG Difference

Title Guaranty of Hawaii examines records relating to the property as far back as the original source to verify the ownership of the title. Using our own title plant, we can quickly review and search available digital plat maps and documents from the tax assessor’s office, Bureau of Conveyances, district court offices, state health department, Grantor/Grantee indices and other Hawaii legal filings.

We are an agent and can write policies for national underwriters including:

We are an agent and can write policies for national underwriters including:

  • Chicago Title Insurance Company
  • Commonwealth Land Title Insurance Company
  • Fidelity National Title Insurance Company
  • First American Title Insurance Company

We offer the same title policy coverage as the mainland competition, yet our clients benefit from Title Guaranty’s local knowledge and timely service.

Title Guaranty of Hawaii provides a full range of title products and services addressing the needs of buyers and sellers during real estate transactions:

  • Preliminary title report
  • Owner’s title insurance policy
  • Homeowner’s one-to-four family policy
  • Extended owner’s (ALTA) policy
  • Lender’s ALTA policy
  • Policy endorsements
  • Certificate of Title
  • Litigation guarantee
  • UCC-1 financing statement report
  • Express property and lien check report
  • Status report
  • Lien report


What is Escrow?

Escrow is a neutral third party assigned to hold real estate transaction deposits and documents during the loan closing process. When all conditions of the sale are met, the escrow holder will release the funds and documents to each party, completing the sale.

Title Guaranty is Hawaii’s trusted leader in escrow services and able to complete any type of real estate transaction:

  • Residential
  • Commercial
  • Land Development
  • Vacation Ownership
  • Lender Refinance
  • Leasehold Properties
  • Fee Conversions
  • Exchanges


A Note About Title Premium and Charges

The schedule of title premium indicates the premium ordinarily applicable to the amount of insurance coverages, and contemplates the ordinary condition of title. If unusual or extraordinary work is required, if more than one chain of title needs to be searched, or if court records in more than one circuit must be examined, additional charges may be assessed.

Please use the TG Estimator for transactions up to and including $3,000,000. Click here to go to the TG Estimator.

Transactions above $3,000,000 often entail special title risks and may require additional title services. Charges will vary depending on the work required, amount of insurance requested, and endorsements required. Please call (808) 533-6261 for a quotation.

The charge for an ALTA Homeowner’s Policy of Title Insurance and an ALTA Expanded Residential Loan Policy are ordinarily 110% of the charge for a Hawai’i Standard Owner’s Policy; the charge for an ALTA (extended) Owner’s Policy is ordinarily 150% of the charge for a Hawai’i Standard Owner’s Policy.

Binders, and credits on resales and refinancing transactions involving properties insured within the past 60 months, may be available.

If a title order is canceled, a reasonable cancellation fee based on the services provided may be charged; however, no cancellation fee will be charged if the transaction does not close by reason of the failure to obtain loan approval.

Subdivision/Condominium/Vacation Ownership Rates: Since each project is unique, special contract rates can be arranged.

For more information on other title reports and services, please call (808) 533-6261.

A Note About Escrow Services

An initial deposit of not less than $500.00 is required to open an escrow.

The charges stated herein are for ordinary transactions. Additional charges may be assessed for non-broker escrows; use of forms not approved by the Hawai’i Association of Realtors; agreements of sale transactions; or if additional work is required.

Escrow transactions for amounts in excess of $3,000,000 may entail special or additional escrow services. Please call (808) 521-0211 for a quotation.

We reserve the right to withhold seller’s proceeds in “special” recording situations (for example, transactions whose documents record at a time other than 8:01 a.m.), until the title records can be reviewed to confirm the absence of adverse claims.

If an escrow transaction is canceled, a reasonable cancellation fee based on the services provided may be charged; however, we will not charge an escrow fee if escrow is canceled due to the failure to qualify for a loan.

Refinance escrow transactions for amounts in excess of $3,000,000 may entail special or additional escrow services. Please call for a quotation.

The state of Hawai’i’s applicable general excise tax will be added to all charges.

For more information on other escrow fees, please call (808) 521-0211.


Title Guaranty of Hawaii’s specialized Developer & Project Services focuses on the individual title and escrow requirements of Hawaii’s land developers. This department has been expertly trained to understand the intricacies of real estate development.

From the beginning of acquisition to the completion of the unit sales and financing, our staff works closely with clients, providing them with accurate and timely information—ensuring the completion of a successful development.

Title Guaranty’s Developer & Project Services also handle Fee Conversions and Vacation Ownership transactions.

Since 2005, Title Guaranty has provided our developer partners online access to vital information for their respective projects. The daily updated reports allow easier and faster closings, making the dream of owning a new home a reality.


A Partnership with Title Guaranty of Hawaii

As the nation’s largest 1031 Qualified Intermediary, IPX 1031 Hawaii provides industry leading exchange guidance, expertise and security to handle any type of exchange transaction nationwide.

Why Choose IPX 1031 Hawaii?

  • Coordinating 1031 exchanges in Hawaii since 1987
  • Regional attorneys and experienced exchange sales and processing team
  • Expertise in all exchange structures
  • Timely document preparation
  • Complimentary exchange consultations