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what is a direct title company Response: It is a title company that provides real estate title and escrow services directly to the consumer: the buyer; seller; or borrower. Most title companies work for the lender or real estate companies and not for the buyers, sellers, or borrowers. So, with a direct title situation, the tile company answers directly to the consumer--buyer or seller or borrower and insures the closing or refinancing, any errors or omissions with the closing for the benefit of the consumer and not for the benefit of the lender or the real estate company.