Bryan Castillo

About Us:

Choice Title, Inc. has been owned and managed by Sheila Bonnette since 1989. We currently have 6 offices and employ an average of 30-35 employees year round. All employees are trained and qualified to provide superior customer services, both before and after the sale. Flexibility is the main focus of Choice Title, as we believe that our clients should not be overly inconvenienced during the stressful period of buying or selling their homes.

Our closing process is unique in that each department is specialized in a specific area, offering to our clients an excellent quality of service, skill and knowledge. When your contract to Sell or Purchase has been received by Choice Title, a file is opened and all parties are contacted to verify the contract information. The title is then researched in the public records of the appropriate parish and all problems such as liens, judgements and mortgages are cleared before the closing takes place. In addition to the utilization of the latest computer technology and internet packaging, our personnel work diligently to insure a smooth, worry-free closing for all parties concerned.

We will schedule your closing at a time that is most convenient for you, with late hour and weekend appointments available. Our personnel will review all closing figures, insurance coverages and special conditions prior to the closing appointment, in order to address any questions or concerns before you arrive.

Full Lists of Services

Complete Closing Services

• Late Hour & Weekend Closings
  
• Multiple Closing Office Locations
  
• Discounted Construction Packages
  
• Free Powers of Attorney
  
• No Builders Fees
  
• New Home Purchase
  
• Refinance
  
• Home Equity
  
• Second Mortgage
  
• New Construction
  
• Lot Purchase
  
• Online Status of Closing Files
  
• Online Title Order
  
• Online Closing Cost Quote
  

Notary Work

• Real Estate Transfers
  
• Commercial & Residential Leases
  
• Public Records Research
  
• Powers of Attorney
  
• Corporation & LLC Documents
  
• Vehicle Transfers
  
• Wills & Estate Planning
  

Legal Services

• Successions
  
• Bankruptcies
  
• Personal Injury
  
• Family Law
  

Insurance Products & Services

• Home
  
• Mobile Home
  
• Rental Property
  
• Automobile
  
• Flood
  
• Boat
  
• Recreational Vehicles
  
• Umbrella
  
• Business Owners
  
• Life
  
• Health
  
• Disability
  
• Medicare
  
• Long-Term Care
  
• Annuities
  
• Retirement Plans
  
• Online Property Insurance Quotes

Put Your Project in Our Hands.....
Our Experience Will Carry You Through!

Choice Title does Land/Subdivision Development. Why should you use us?

• We have 20 years experience with commercial projects
  
• We assist builders and developers with subdivisions
  
• We scan and keep all abstracts for future projects
  
• We have attorneys on staff
  
• We are locally owned and operated
  
• Our prices are competitive
  
• We have several insurance underwriters to issue title policies
  
• We have extensive knowledge of title insurance policies and endorsements
  

Subdivision and Development Projects Include:

• Initial acquisition of development tracts
  
• Setup of subdivision regulations
  
• Assisting developer with parish approvals
  
• Setup of homeowners association
  
• Arrangement of first annual association meetings
  
• Marketing projects of the development
  
• Closing transactions for the sale of lots
  

Experience Counts - the Proof is Here...

• American River Transportation Company
  
• Bayou Fleeting
  
• C.V. Harold Rubber Company
  
• Crown Casino
  
• Entergy
  
• Gem Drugs
  
• Home Depot
  
• International Matex Tank Terminals
  
• K-Mart
  
• Marathon Ashland Petroleum
  
• Montz Travel Center
  
• River Road Mini Storage
  
• Sav-A-Center
  
• Shell Oil Company
  
• Total Transportation
  

For more information please contact one of our reps.

Service Area

Choice Title services South Louisiana, including the parishes of Ascension, Assumption, Avoyelles, East Baton Rouge, East Feliciana, Iberville, Jefferson, Lafourche, Livingston, Orleans, Plaquemines, Pointe Coupee, St. Bernard, St. Charles, St. Helena, St. James, St. John the Baptist, St. Landry, St. Mary, St. Tammany, Tangipahoa, Terrebonne, Washington, West Baton Rouge, and West Feliciana. Through the use of advanced technology and internet services, we can handle transactions throughout the State of Louisiana. Our network of closing notaries are available for signature closings almost anywhere.



Baton Rouge
4750 Sherwood Common Blvd.
Baton Rouge, LA 70816
Phone: (225) 292-4889
Fax: (225) 744-4240

Denham Springs
1019 North Range Ave., Suite B
Denham Springs, LA 70726
Phone: (225) 744-4241
Fax: (225) 744-4240

Destrehan
7B Storehouse Lane
Destrehan, LA 70047
Phone: (985) 764-0909
Fax: (985) 764-9183

Laplace
1703 Chantilly Drive
Laplace, LA 70068
Phone: (985) 651-5241
Fax: (985) 651-5245

Mandeville
849 Galvez
Mandeville, LA 70448
Phone: (985) 626-3626
Fax: (985) 626-3861

Prairieville
17517 Old Jefferson Highway
Prairieville, LA 70769
Phone: (225) 744-4241
Fax: (225) 744-4240

Zachary
20103 Old Scenic Drive, Suite 7A
Zachary, LA 70791
Phone: (225) 654-4336
Fax: (225) 744-4240



Service Locations can also be found here.










The Closing Process

A closing transaction involves many steps, which range from simple to very complicated. Outlined below is a basic overview of the process.

1. Contract to Sell/Purchase is received
   
2. Verifications of receipts are faxed to Lender and Realtors
   
3. Purchaser is called to confirm receipt of contract and to obtain personal and insurance information
   
4. Seller is called for payoff and personal information
   
5. Title abstract and flood information are ordered
   
6. Payoff requests are faxed out
   
7. Loan payoff is received
   
8. Abstract and exam are completed and reviewed
   
9. Survey is ordered (if needed)
   
10. Title commitment is faxed to Lender
    
11. If title problem exists, notifications are sent to Lender, Realtors, Buyers and/or Sellers
    
12. Title problems are cured and cleared
    
13. Refax clear title commitment to Lender
    
14. Order flood elevation certificate (if needed)
    
15. Call Realtors for commissions, termite inspection, and terms
    
16. Order termite inspection (if needed)
    
17. Call Realtors and Lender to schedule closing
    
18. Receive loan package from Lender
    
19. Prepare HUD and fax to Lender and Realtors
    
20. Contact Purchasers and Sellers for final review
    
21. Prepare closing documents
    
22. Type loan packages
    
23. Closing occurs
    
24. Lender funding is verified, deposits made, and expenses are paid
    
25. Lender package is sent out
    
26. Documents are sent out for recordation
    
27. Title policies are prepared
    
28. Final package is mailed to Purchaser
    
29. Lender’s final package is mailed
    
30. Mortgages and liens are cleared for public records
    
31. File is closed and archived
    

Property Insurance
What Every Purchaser Should Know…


When purchasing a home, insurance should be a priority. We will address some questions you should ask when obtaining quotes, what you should be looking for when comparing rates and why you should purchase insurance in packages.

Let’s start with homeowner’s insurance. Most buyers realize they need homeowner’s insurance, but are not sure exactly how or what it covers. Some questions you should be asking when calling for quotes are as follows:
Does the policy have open or named perils? Open means all causes of loss are covered unless specifically excluded while named perils cover only those listed.
Are the building and contents covered at replacement cost, meaning losses are not depreciated?
Are all reports, including those run on you and the property, being pulled prior to giving you the quotes? This question is extremely important since some companies will actually write the policy before all reports have been obtained, causing the company to come back and cancel coverage AFTER you have gone to sale!

Once the initial questions have been asked, make sure to compare similar coverage details on all obtained quotes. Top priority should be to acquire the correct amount and type of coverage to fit your needs.

Now let’s discuss the flood insurance. As you probably already know, if you are in a mandatory flood zone, the mortgage company requires you to carry flood insurance, which protects your home from rising waters. However, if you are not in a mandatory flood zone, peace of mind can be acquired at reasonable, prepackaged rates. Being in a non-mandatory flood zone does not guarantee you will not flood!

When an agent advises they will be running an insurance score as part of their reports, it means they are trying to place your insurance in a preferred company, which has lower rates compared to a standard company. Most preferred companies write insurance in packages giving the client more discounts and good standing with the carrier. Also, with one agent watching your entire account, they can make better recommendations for you as you experience different stages of life.

So keep an open mind and always explore your options – just remember, ultimately it is you who determines how your family will overcome potential losses!

If you would like to obtain a quote from Bonnette Insurance Agency, please refer to our Property Insurance Quote page.



It's the Buyer's Choice!
Because you pay a majority of the closing costs, you have a legal right to choose your title company. Exercise your rights – put Choice Title on your Purchase Agreement!


Testimonials

"Bryan works so hard at helping a transaction come together. Him and the team of professionals at Choice Title have their eyes set on the closing. They are always willing to provide extra details and to answer tough questions. They are patient. They provide good explainations of the documents at signing. All-in-all, Choice Title, is a great company with which to do business, and Bryan helps to make it all happen."

-Bridget Fredericks





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