The night of my settlement was unexpectedly and unnecessarily difficult. As I reviewed the settlement documents, I noted that they indicated that my home would be titled as Joint Tenants. The title agent was immediately informed that this was an error so that it could be corrected. However, I was shocked and dismayed at the closing agent's lack of knowledge and preparedness, even though he was introduced as one of the company's "very experienced" title agents. Our deed was prepared incorrectly with Joint Tenants because no one ever asked us how we wanted our home titled. The closing agent seemed unaware that there are exactly 3 ways a property can be titled for a married couple -- Tenants by the Entireties, Joint Tenancy w/ OR w/out Survivorship, and Tenants in Common. The title agent's reaction seem to indicate that he had never heard of the most important one -- Tenants by the Entireties. Unfortunately, I had to argue with the title agent for more than 20 minutes to explain the differences of the three, and had to show him the Florida statute language online, because he would not accept that the documents they prepared were in error. This was even after I reminded him that I am an attorney and know what I am talking about. Most upsetting is that, for reasons that I cannot fathom, he felt the need to speak to me in a condescending, demeaning, and dismissive manner. Several times he attempted to bully my husband and me into "just signing" the documents. After an hour of our arguing, phone calls, emails, and insistence, the agent reluctantly agreed and managed to get the paperwork redone and printed. To my surprise, WITH INCORRECT LANGUAGE AGAIN -- it now read Tenants in Common. Luckily our real estate agent happened to be present and agreed with and supported us in the absurdity of the situation; and with our agent's assistance, we were eventually able to have the documents corrected and the settlement completed. In the end, our settlement took over 3 hours. We would have walked out and insisted on another title company if it would not have caused a ridiculous amount of work and not adversely impacted our sellers' purchase of their new home. I advised the closing agent that if he truly had never done settlement where a married couple's home had been titled as Tenants by the Entireties, there is the possibility that his company could have significant liability exposure as a result. The title agent did not recognize the name or the legal difference among the only three types of titles available. Most importantly for married couples, Tenants by the Entireties is the ONLY title that does NOT permit one owner to sell their share in the property without the other owner's knowledge or permission. (Imagine an ugly divorce where the angry spouse sells their half of the house without telling you, and that sleazy friend you hate is legally entitled to move in with you and your kids. This is perfectly legal with Joint Tenants and Tenants in Common.) Any married couples who used this title company to purchase a house should check their deed right away. If your deed doesn't say Tenants By the Entireties, do the research yourself, or call a real estate lawyer to make sure you understand the differences, and get your home titled the way you want.