Express Title & Closing

What Express Title & Closing does

Express Title & Closing is a privately held Tennessee title and escrow services agency headquartered in Johnson City, TN, founded in 2007 and operating as Express Title & Closing LLC under owner Mike Morrison. The company provides title search and abstract services, title reports, property verification, document retrieval and preparation, escrow services, closings, and title insurance, including both owner's and lender's coverage. It is a licensed agency for both Fidelity National Title Insurance Company and Old Republic National Title Insurance Company, the latter providing access to a Property Insurance Guarantee product for second-lien and cash-purchase transactions. Operations are concentrated in the Tri-Cities region of Northeast Tennessee across 12 counties, with two physical offices in Johnson City.

The business runs a hybrid sales-led and self-serve go-to-market: customers can engage via phone, email, and in-person visits, or place purchase and refinance title orders through online portals, and estimate closing costs with a free online fee calculator. The company emphasizes an "anytime-anywhere" closing policy that schedules closings at customer-convenient locations and times, and advertises a 5-7 business day turnaround on title commitments supported by a network of searchers and closers. Revenue is generated primarily through one-time title insurance premiums (industry average ~$1,000 per policy) and unit-priced closing, search, and escrow fees tied to local real estate transaction volume. Additional GTM reach is built through the Homes for Heroes affiliate network (serving military, first-responder, healthcare, and education segments) and a content marketing program that includes blog and video content aimed at realtors, lenders, and consumers.

The firm is small (1-10 employees), founder-owned, has no disclosed external funding, no parent company, and no M&A activity in its history. The technology stack is standard for the industry (title search systems, E-Recording, online order intake) with no proprietary AI, patents, or public API surface. Differentiation rests on local service flexibility, bilingual capability, multi-underwriter agency status, and digital self-service intake rather than on technology depth.

Name

Express Title & Closing

Legal name

Express Title & Closing LLC

Website

https://expresstc.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Express Title & Closing is a Johnson City, Tennessee-based title and escrow agency, founded 2007 and owned by Mike Morrison, providing title insurance, title searches, closings, and escrow services across 12 Northeast Tennessee counties under Fidelity National and Old Republic underwriter agency relationships.

Ownership category

akta.pro rank

Product category

Title Insurance and Real Estate Closing Services

NAICS

Title Abstract and Settlement Offices (541191), Insurance Agencies and Brokerages (524210)

SIC

Title Insurance (6361), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Closing & Settlement Services (Settlement Agents) (BPAJAOAE)

akta.pro secondary industries

Title Insurance & Underwriting (BPAJAOAA), Title Search & Examination (BPAJAOAB), Document Preparation & Recording Services (Deeds, Liens) (BPAJAOAG), Title Insurance (FSAJACAL)

Keywords

• Title insurance services
• Real estate closings
• Title search abstract
• Escrow services
• Settlement agency

Headquarters

HQ city

Johnson City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Title Insurance (Owner's and Lender's Coverage): One-time premium payment for owner's title insurance policy and lender's title insurance policy, providing protection against title defects, liens, forgeries, and other ownership issues. Coverage lasts as long as the insured has an interest in the property.
2. Title Search and Abstract Services: Public record searches to determine property ownership status and identify any encumbrances, liens, or claims against the property.
3. Closing Services: Facilitation of real estate closing transactions, including document preparation, signing coordination, and fund disbursement.
4. Escrow Services: Third-party escrow services holding funds during real estate transactions to protect both buyers and sellers until transaction terms are met.
5. Document Preparation and Retrieval: Preparation of closing documents and retrieval of property-related records and documents.
6. Property Insurance Guarantee: Specialized insurance product used for second lien positions and cash purchases.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Express Title & Closing provides title insurance (owner's and lender's coverage), title searches and abstracts, property verification, document preparation and retrieval, escrow services, and real estate closing/settlement services for residential property transactions across 12 East Tennessee counties. The company operates as a licensed agency for Fidelity National Title Insurance Company and Old Republic National Title Insurance Company, issuing policies and coordinating closings on behalf of buyers, sellers, lenders, real estate agents, and builders.

Product overview

Express Title & Closing is a Tennessee-based title and closing services company offering a comprehensive suite of title insurance products and real estate closing services. The company operates as a licensed agency for Fidelity National Title Insurance Company and Old Republic National Title Insurance Company. The core product portfolio includes title search and abstract services, title reports, property verification, document retrieval and preparation, escrow services, and closing services. Title insurance products include lender's coverage, owner's coverage, and a Property Insurance Guarantee product for second lien positions and cash purchases. The company also provides digital tools including an online title fee estimator and online order forms for purchase and refinance transactions. The company maintains an 'anytime-anywhere' closing policy to accommodate customer schedules.

Differentiator

Problem solved

Functional benefit

Products and services

• Title Search and Abstract Services Public record searches to determine property ownership status and identify any encumbrances, liens, or claims against the property, delivered to home buyers, sellers, lenders, and real estate professionals in East Tennessee.
• Title Reports Comprehensive title reports documenting findings of title searches, including ownership history and identified issues, delivered with a 5-7 business day standard turnaround.
• Property Verification Service verifying property details and condition, ensuring accurate property information for residential real estate transactions in East Tennessee.
• Real Estate Closings Closing/settlement services for residential real estate transactions, including document preparation, signing coordination, and fund disbursement, conducted at customer-convenient locations and times under the company's "anytime-anywhere" policy.
• Escrow Services Third-party escrow services holding funds during real estate transactions to protect both buyers and sellers until transaction terms are met.
• Title Insurance (Owner's and Lender's Coverage) One-time title insurance policies providing protection against title defects, liens, forgeries, and other ownership issues. Includes both owner's coverage (protecting the buyer for as long as they own the property) and lender's coverage (protecting the lender's interest until the loan is paid off or refinanced), issued as a licensed agency for Fidelity National Title and Old Republic National Title.
• Document Preparation and Retrieval
• Property Insurance Guarantee Specialized insurance product used for second lien positions and cash purchases, issued through the company's status as a licensed agency for Old Republic National Title Insurance Company.

Quantifiable outcome

• Saves community heroes an average of $2,000 per transaction through Homes for Heroes program
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered flagship, core and minor.

• Homes for HeroesflagshipGTM or Marketing Partner · 1 January 2016Express Title & Closing is a proud member of the Homes for Heroes team, a nationwide rewards program with 1,600 affiliates. They provide significant discounts during home buying, selling, and refinancing to military personnel, law enforcement, firefighters, EMTs, healthcare workers, and teachers, with heroes saving an average of $2,000 per transaction. The program began after 9/11 to give back to community heroes.
• Old Republic National Title Insurance CompanycoreTechnology or Integration · 1 January 2007Express Title & Closing is a licensed agency for Old Republic National Title Insurance Company, enabling them to issue lender's coverage, owner's coverage, and Property Insurance Guarantee products for second lien positions and cash purchases. This partnership provides the underlying insurance products necessary for their title services business.
• Fidelity National Title Insurance CompanycoreTechnology or IntegrationExpress Title & Closing is a licensed agency for Fidelity National Title Insurance Company, offering title insurance products to customers. This partnership provides access to Fidelity's insurance products and underwriting support.
• Johnson City Chamber of CommerceminorStrategic or Co-development PartnerListed as a resource partner on Express Title's website, indicating membership and community engagement in Johnson City, TN.
• Kingsport Chamber of CommerceminorStrategic or Co-development PartnerListed as a resource partner on Express Title's website, indicating membership and community engagement in the Tri-Cities region.
• American Land Title Association (ALTA)minorStrategic or Co-development PartnerListed as a resource partner, indicating membership in the national trade association for the title insurance industry.
• Tennessee Land Title Association (TNLTA)minorStrategic or Co-development PartnerListed as a resource partner, indicating membership in the state-level trade association for title insurance professionals in Tennessee.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Fidelity National Title: One of the largest U.S. title insurance underwriters. Express Title & Closing is a licensed agency for Fidelity, and Fidelity operates national direct title and settlement operations that overlap with Express Title's service offerings.
• First American Title Insurance Company: Major national title insurance underwriter offering title insurance, escrow, and closing services. Comparable to Express Title at the underwriter/agency layer, though First American operates at vastly larger national scale.
• Old Republic Title: National title insurance underwriter that is one of Express Title's two carrier partnerships. Comparable as a title underwriter offering similar products (lender's, owner's, and second-lien policies) at much larger scale.
• Stewart Title: National title insurance underwriter offering direct title and escrow services across the U.S. Comparable to Express Title's core products (title insurance, escrow, closing) at national scale with similar agency model.

Emerging players

• Title Forward: Title and closing technology company modernizing the closing experience with digital tools. Comparable to Express Title's online order portals and fee calculator, though Title Forward focuses on a tech-enabled wholesale model rather than local agency relationships.
• PropLogix: Title and closing services company offering title searches, examinations, and closing software. Comparable to Express Title's core title search and closing offerings, with a more technology-forward delivery model.

Direct peers

• Tri-Cities Title & Escrow: Regional title and escrow company serving the Tri-Cities Tennessee area. Directly comparable to Express Title in geography, service mix (title search, insurance, escrow, closing), and customer base.

Regional players

• Knoxville Title & Closing: Regional title and closing services company in East Tennessee. Comparable to Express Title in offering title insurance, closings, and escrow services in an overlapping Tennessee geography.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ExpressTitleClosing
• LinkedInlinkedin.com/company/expresstc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Express Title & Closing