What Is Bifurcation of Title?

A Legal Way to Save Thousands at Closing

Bifurcation of Title is when the buyer chooses their own title company instead of using the one selected by the seller’s attorney. It’s completely legal under Illinois law (215 ILCS 155/18.1) It’s your right as a buyer who is paying for title services.  It can save you $1,000 or more at closing.

 

Why Bifurcate with EV Häs?

When you bifurcate with EV Häs and use our trusted title partner, you unlock:

  • $1,000 refund check at closing.
  • Up to 40% savings on title fees.
  • Bilingual legal support every step of the way.
  • Faster, cleaner closings with real-time updates.
  • More control over your transaction and schedule.
  • Constant communication.

Why This Works — and Why It’s Only Possible with EV Häs

This refund exists because of our exclusive relationship with a title company who trusts us — and cuts your costs.

  • Our affiliate title partner offers special discounts for financed buyers.
  • We know their systems, timelines, and expectations.

That means fewer delays, faster communication, and more savings FOR YOU.

This isn’t a gimmick — it’s a powerful strategy built on trusted relationships.

How Bifurcation Works?

(Step-by-Step)

  • Ask to bifurcate early

    Let your attorney (or us!) include it in your offer or attorney review.

  • You choose your own title company

    We coordinate with the seller’s team.

  • Your title company handles escrow and lender docs

    Fewer errors, better communication.

  • Both sides schedule the closing

    We coordinate with the seller’s team to finalize.

  • You close and receive your refund

    Get up to $1,200 in savings and $1,000 back at the table.

Why Don’t Most Buyers Know About This?

  • Seller’s attorneys and title companies make more money when you don’t bifurcate.
  • Some real estate brokers don’t understand the process.
  • But your lender usually loves it — it helps stretch closing cost credits and lowers your out-of-pocket costs.

What the Law Says - The Law Is on Your Side

“Buyers have the right to choose the title insurance company they pay for.” — 215 ILCS 155/18.1 (Illinois Title Insurance Act)

Ready to Save on Your Closing?

Let us review your contract and confirm your eligibility for the $1,000 refund.

Ready to Save on Your Closing?

Let us review your contract and confirm your eligibility for the $1,000 refund

Send Us Your Contract

Response within 24 hours.

YOUR CONCERNS AND THE TRUTH

1Is it legal?
Yes. Fully legal under IL law.
2Will it delay closing?
No — and if managed early, it can be faster.
3Is it complicated?
Not with EV Häs. We handle it for you.
4Why haven't I heard of this?
Some providers profit when you don't know.