Top Five CRE Markets to Watch in 2026

2026 is projected to be a landmark year for commercial real estate (CRE). Investors aren’t just looking for growth—they’re chasing markets with unstoppable momentum, economic resilience and unbeatable returns. Ready to see where the next wave of opportunity is expected? Let’s explore the cities driving growth today and positioned to lead in 2026.

1. Dallas–Fort Worth Metroplex, Texas

Consistently ranked as a top destination for CRE investment by various major brokerage, analytic and investment firms, the Dallas-Fort Worth metroplex (DFW metroplex) is experiencing explosive growth with no signs of slowing down. Investors, developers, lenders and corporate business operations continue to be drawn to this land-rich area. Developers are buying up land at a breakneck pace to bring new subdivisions with affordable housing, shopping centers, industrial warehouses, healthcare facilities, restaurants and more – all to meet the demands of the growth. Here are some of the key drivers behind the DFW metroplex sustained popularity:

• Retailtainment: The retail market is transitioning into a “retailtainment¹” hub as mixed-use projects blend shopping, dining and entertainment to boost consumer engagement. Over 7.1 million square feet (msf) of new retail construction is underway², much of it anchored by experiential concepts like pickleball venues, rooftop dining and lifestyle hubs.

• Corporate relocations and expansions: The DFW metroplex leads in corporate relocations. It attracted 100 new corporate headquarters from 2018 to 2024³—and this momentum shows no signs of slowing down in 2026. Click here to see which companies moved to the DFW metroplex during 2023 and 2024; and for a map of relocations as of 2025, click here.

• Data center expansion: The DFW metroplex is rapidly emerging as a major hub for artificial intelligence (AI) data centers, with multiple projects underway and strong funding prospects in 2026. A prime example is global technology leader Wistron, which is investing $761 million into the establishment of its first U.S. manufacturing site focused on producing AI supercomputers and related components.⁴

2. Miami, Florida

Miami remains a premier Sun Belt market, supported by economic strength and dynamic growth trends that consistently rank the city among the top choices for CRE investment firms. Key catalysts include the region’s rise as “Wall Street South,” driven by the migration of financial firms and high-net-worth individuals. Some other significant catalysts include:

• Foreign investment: Miami’s world-class airport and seaport infrastructure make it a hub for logistics and international business. According to the 2025 Miami New Construction Global Sales Report compiled by the MIAMI Association of REALTORS^®, 73 countries have purchased new construction units over the last 22 months⁵, including pre-construction and condo conversion sales.

• Luxury appeal: Miami has become one of the world's top luxury real estate destinations for its beachfront condos that feature resort-style amenities and waterfront estates with private docks.

• Favorable tax and business policies: Florida offers a highly favorable tax environment for investors. The state imposes no personal income tax, which means higher net returns for investors. In Miami, both the city and county also maintain no property tax on business inventories and no corporate tax on limited partnerships.

3. Houston, Texas

Houston delivers a rare combination of expansive land, long-term growth potential and lower entry costs compared to other major markets. Some of the top factors contributing to Houston’s CRE surge include:

• Global shipping hub: Port Houston is a critical gateway for global trade along Texas’ 367-mile Gulf Coast, one of the most active trade corridors in the U.S. In 2024, total trade through the port surged to $223.5 billion—a remarkable 42% increase since 2019.⁶ As a net exporter by trade value, Port Houston recorded $129.9 billion in exports compared to $93.7 billion in imports⁵, reinforcing its role as a powerhouse for outbound U.S. goods.

• Energy: Texas dominates U.S. energy production—leading in oil, gas, wind and solar—and generates nearly one-fourth of all domestic energy. As the number two liquified natural gas (LNG) exporter and a top producer of hydrogen, carbon capture, battery storage and modular nuclear power, Texas is driving the future of energy innovation.⁷

According to information compiled by the Greater Houston Partnership, Houston is home to over 4,200 energy-related firms and major global headquarters⁸, creating a strong demand for industrial, logistics, and specialized facilities and prime opportunities for CRE investors.

4. Phoenix, Arizona

Its proximity to major West Coast markets, combined with comparatively lower operating costs and plentiful land for development, positions Phoenix as a high-potential destination for CRE investment. Major drivers in the area include:

• Industrial/Manufacturing: The Phoenix industrial market posted an impressive Q4 2025, which is expected to continue in 2026. Taiwan Semiconductor Manufacturing Company (TSMC) has significantly expanded its footprint in North Phoenix, acquiring approximately 900 additional acres for $197.25 million on January 7, 2026.⁹ This purchase builds on the 1,129 acres purchased in 2020, bringing TSMC’s total land holdings in the area to more than 2,000 acres for its major semiconductor campus expansion.

• Healthcare: Phoenix is experiencing a healthcare CRE surge due to rapid population growth, aging demographics, and the industry’s goal to increase both medical office buildings (MOBs) and conduct major hospital expansions. Mayo Clinic announced in early 2025 that it is making a $1.9 billion investment to transform its Phoenix campus with a 1.2 million-square-foot expansion that will increase clinical space by nearly 60%.¹⁰

5. Brooklyn & Manhattan, New York City

Manhattan continues to be a global mecca with concentrations in finance, law and media, while Brooklyn has become a centralized location for tech, creative agencies and startups, making both boroughs highly attractive to CRE investors. Some recent highlights for each borough include:

• Class A and trophy office buildings in Manhattan: There has been a surge in the construction and leasing of Class A and “trophy” office buildings, mostly due to a demand from tech and financial firms for premium spaces with cutting-edge amenities. According to Cushman & Wakefield’s Q3 Manhattan’s Office MarketBeat, there was 7.3 msf¹¹ of new leasing activity, which marked the third straight quarter of elevated activity. Year-to-date volume reached 23 msf, up 37.6% from 2024¹¹, positioning 2025 as one of Manhattan’s strongest leasing years since 2019.

• Overall pricing indicators in Brooklyn: Record-high price-per-square-foot metrics, rapid investment sales, strong demand for development sites and rising rents – all fueled by limited supply and shifting demands – is placing Brooklyn at the CRE forefront.

• Affordable housing initiatives: CRE professionals are watching as New York seeks to advance housing stability by tightening rent stabilization and improving enforcement, while advancing initiatives like the Tenant Opportunity to Purchase Act (TOPA) and Community Opportunity to Purchase Act (COPA). TOPA would give tenants a chance to purchase their buildings, and COPA would offer nonprofits and community land trusts first rights on Multifamily sales—both aimed at preserving affordability and community control amid ongoing legislative debate.

Beyond the top five, there are additional markets that continue to attract attention from CRE investors and developers. These cities also have promising opportunities worth watching:

• Austin, Texas
• Raleigh-Durham, North Carolina
• Nashville, Tennessee
• Tampa-St. Petersburg, Florida
• Northern New Jersey and Jersey City

Old Republic Title’s CRE Footprint

As CRE markets continue to evolve, investors, developers, lenders, corporate firms – and the brokers and attorneys who guide them – need title and closing solutions that deliver expertise, efficiency, accuracy and timely service. That’s where Old Republic Title comes in. Our top-tier products and services are curated to safeguard your investment and provide the clarity you need to close with confidence. From clearing complex title issues and complying with state and federal laws, to managing multistate and multisite projects, we deliver the skill, reliability and financial strength that commercial transactions demand.

Old Republic Title maintains a strong presence not only in the top five CRE cities, but throughout cities nationwide. Our National Commercial Services (NCS) team – comprised of highly experienced attorneys, underwriters, closers and other title specialists – combine local market insight with national resources to deliver customized solutions and underwriting strategies.

Ready to put our expertise to work for your next transaction? Visit oldrepublictitle.com/ncs to connect with a dedicated representative and discover how our tailored title and escrow solutions can help you close with confidence.

Old Republic Title, its officers and employees do not provide, and this communication is not intended to be, investment, tax or legal advice. Old Republic Title makes no representations or warranties regarding the accuracy of the information or tax consequences addressed herein. You should consult an investment, tax or legal professional of your choosing to advise you of the benefits and risks of your specific transaction.

Sources:

¹ CrispIdea. Retailtainment: Merging Shopping with Entertainment. May 20, 2025. https://www.crispidea.com/retailtainment-shopping-experiences/?srsltid=AfmBOoqthjGbPqFCDLpziG9vg4bTI8JAZgK4dakH95pFGFfpl5pJLJ__

² CultureMap Dallas. Dallas comes in at No. 1 in the U.S. for retail construction in 2025. July 25, 2025. https://dallas.culturemap.com/news/innovation/dfw-retail-construction-2025/

³ CultureMap Dallas. Dallas ranks No. 1 city in U.S. for corporate HQ relocations. June 20, 2025. https://dallas.culturemap.com/news/innovation/corporate-headquarters-relocations-dfw/

⁴ Fort Worth Inc. Wistron Picks Fort Worth for First U.S. Manufacturing Site, a $761M AI Investment. August 21, 2025. https://fortworthinc.com/news/wistron%E2%80%99s-first-u-s-plant-lands-in-fort-worth-in-761m-ai-fac/

⁵ Miami and MIAMI REALTORS^®. New International Report: Global Buyer Share Increases for Miami New Construction Units; Buyers from 73 Countries. November 11, 2025. https://www.miamirealtors.com/2025/11/11/new-international-report-global-buyer-share-increases-for-miami-new-construction-units-buyers-from-73-countries/

⁶ Texas Comptroller. Port of Entry: Houston Impact to the Texas Economy, 2024. https://comptroller.texas.gov/economy/economic-data/ports/2024/houston.php

⁷ Texas Economic Development & Tourism Office. Energy Evolution https://gov.texas.gov/business/page/texas_energy#:~:text=Texas%20powers%20America's%20economy.&text=Texas%20leads%20the%20nation%20in,Renewables

⁸ Greater Houston Partnership. Houston: Welcome to the Energy Capital of the Word. https://houston.org/why-houston/industries/energy/

⁹ AZ Big Media. TSMC buys 900 acres of land in North Phoenix for $197 million. January 8, 2026. https://azbigmedia.com/real-estate/tsmc-buys-900-acres-of-land-in-north-phoenix-for-197-million/

¹⁰ City of Phoenix. Mayo Clinic Announces $1.9B Investment in Phoenix. March 3, 2025. https://www.phoenix.gov/newsroom/ced-news/3373.html

¹¹ Manhattan Office Market Maintains Strong Momentum with Robust Class A Leasing in Q3 2025, According to Cushman & Wakefield. October 10, 2025, https://www.cushmanwakefield.com/en/united-states/news/2025/10/manhattan-office-market-maintains-strong-momentum-with-robust-class-a-leasing

Data Center Real Estate: Important Considerations

While industrial warehouses have expanded rapidly to meet the demands of the ever-growing e-commerce economy, another type of “warehousing” is quietly reshaping the commercial real estate (CRE) landscape: data centers. These facilities—dedicated to housing servers, storage systems and networking equipment—are the backbone of our digital world.

As the CRE industry evolves, data centers are emerging as a cornerstone of global infrastructure, fueling a multi-billion-dollar market. But with their growth comes complexity. In this blog, we’ll explore the demand for data centers, discuss key considerations and challenges they present to developers and investors, and highlight significant title insurance factors to consider.

The Current Landscape

Although data centers can be traced back to the mid-1900s, the demand for data storage has skyrocketed in recent years, due to our growing reliance on cloud-based data solutions and everyday use of artificial intelligence (AI). In particular, there has been substantial construction of colocation centers (data centers leased to a third-party tenant) and hyperscale data centers (massive facilities engineered for large-scale workloads with an optimized network infrastructure, streamlined network connectivity and minimized latency.)

Colocation centers are in high demand with vacancy rates dropping to historically low rates. This tight supply is expected to persist through 2027, as nearly three-quarters of new capacity is already preleased. The colocation sector is estimated to grow approximately 20% through 2030, potentially reaching 42 gigawatts of capacity.

Meanwhile, hyperscale data centers are growing rapidly alongside development, expanding to secondary and tertiary markets to reduce latency and avoid power constraints. One industry source estimates that up to $1 trillion in new data center development will be required in North America alone by 2030 to meet demand.

As of October 2025, the U.S. data center market is one of the most dynamic and rapidly expanding sectors in commercial real estate. With industry sources estimating more than 5,400 active data centers nationwide, the sector continues to attract significant investment and development. The states presently hosting the highest number of data centers include Virginia, Texas, California and Ohio, each offering distinct advantages in projects from small regional centers to hyperscale environments.

Key Considerations

There are several key factors that developers and investors should consider before initiating a data center project. These include:

• Location. When selecting data center locations, key factors include physical accessibility, property values, labor costs, and climate risks like floods, earthquakes, or wildfires, which may require extra engineering and insurance measures. Cooler climates can maintain temperature regulation expenses.

Access to scalable, affordable, and reliable energy is essential due to high electricity demands. Proximity to fiber optic infrastructure and internet exchange points ensures strong network connectivity. Being near major markets reduces latency, which is especially critical for last-mile data centers delivering digital services to end users.

• Infrastructure. The cost of constructing a data center is substantial, given their intense power, data communication and equipment needs, not to mention the physical space that is necessary. A data center will also require a sophisticated cooling system to offset the heat generated by operating equipment, ensuring that temperatures support optimal performance of computing infrastructure. That said, it is not unusual for construction costs to fall in the hundreds of millions of dollars, with as-built values often exceeding $1 billion.

• Tax incentives. Some states offer tax incentives, such as sales and use tax exemptions on equipment and electricity, for the construction and operation of data centers built within certain parameters. Certain local jurisdictions have regulations that are more friendly to data center development.

At the federal level, the One Big Beautiful Bill Act (OBBBA) introduces a range of tax incentives aimed at encouraging strategic infrastructure investments, including investments in data centers:

• 100% Bonus Depreciation (through 2029): Data centers can deduct the full cost of qualified capital equipment and property in the year it's placed in service, rather than depreciating it over time. This significantly improves cash flow and accelerates cost recovery.
• Section 179D Energy-Efficient Building Deduction (until June 30, 2026): Allows deductions for energy-efficient systems like HVAC, insulation, and lighting—critical for data centers due to their high energy demands.
• Expanded Opportunity Zones: The OBBBA renews and enhances Opportunity Zone programs, including a new Qualified Rural Opportunity Fund offering a 30% basis increase for investments held at least five years. This can benefit data centers located in designated zones.

• Title insurance underwriting requirements. Title insurers face a uniquely complex set of risks when underwriting data center projects, particularly due to the high construction values and substantial loan amounts involved. One of the most significant concerns is managing mechanics lien exposure, especially in colocation centers where large-scale tenants often conduct their own buildouts or install specialized equipment. These tenants typically work with independent vendors and enter into lease agreements that restrict the landlord from disclosing details about tenant improvements. This lack of transparency can create a blind spot for title insurers if they do not remain aware of ongoing construction that could result in lien claims.

In jurisdictions that apply the relation-back doctrine, mechanics liens recorded during construction can take priority over previously recorded mortgages, potentially jeopardizing the insured lender’s position if the insurer was unaware of the work. Beyond lien risks, title insurers must also navigate challenges such as subdividing large parcels, ensuring accurate legal descriptions, and verifying utility easements, rights-of-way and other matters related to reliable utility access, which is essential for data centers due to their high power and connectivity demands.

Given the scale and complexity of these transactions, many are coinsured, with multiple title insurance underwriters sharing the risk. Working with an experienced commercial title underwriter is vital to navigate the nuanced title issues that often arise. As data centers continue to grow in strategic importance, the ability to understand and mitigate these risks becomes increasingly critical for the title insurance industry.

Challenges

Developers and investors should also be aware of potential challenges associated with data centers.

• Power outages. Because data centers demand very high levels of energy, they can tax older power grids, leading to outages and increased prices for customers.

• Noise pollution. Noise levels emanating from a data center can be substantial depending on the equipment being housed.

• Sustainability. With increasing international interest on the subject of sustainability, there are initiatives in the CRE arena for data center projects to responsibly adopt technologies that help reduce water consumption, electronic and toxic waste, and greenhouse gas emissions.

• Land use and infrastructure restrictions. Land use restrictions—such as zoning laws, environmental regulations, and infrastructure limitations—can significantly affect data center development. Ambiguous zoning codes may delay projects and create constraints, while environmental reviews of energy, emissions, and water use can add permitting and compliance costs. Limited power grid capacity can also make data center sites unsuitable, requiring additional capital for upgrades.

• Community pushback. Since 2023, over $60 billion worth of data center projects were blocked or delayed due to opposition from residents and activist groups. Virginia is currently the focal point for community opposition, with activist groups campaigning to slow, stop or further regulate data center development. Other states that rank among the top in opposition or are calling for increased regulation to data center development include Oregon, California, Arizona, Texas, Missouri and Indiana.

Conclusion

The need for data storage solutions will only continue to grow as technology drives innovation, turning data centers into an increasingly coveted CRE asset class.

As with any CRE transaction, it is vital for developers and investors to perform due diligence before committing to any project. Meticulously assessing the unique variables associated with data centers can help developers and investors make informed decisions about their investment. It is also essential to retain the services of a reputable title insurance company to confirm property ownership, identify potential liens and protect property owners from unforeseen title concerns.

At Old Republic Title, we understand what it takes to navigate complex CRE transactions. Our National Commercial Services Team has extensive experience supporting data center development across the nation and is ready to assist developers and investors with all their title and closing needs. To learn more about Old Republic Title’s title insurance products and closing services, or to connect with a knowledgeable team near you, visit oldrepublictitle.com/commercial/ncs.

Old Republic Title, its officers and employees do not provide, and this communication is not intended to be, investment, tax or legal advice. Old Republic Title makes no representations or warranties regarding the accuracy of the information or tax consequences addressed herein. You should consult an investment, tax or legal professional of your choosing to advise you of the benefits and risks of your specific transaction.

Considering Refinancing Your Home Loan?

Have you purchased property since 2022, when mortgage interest rates jumped from the 3% range to almost 8%? If so, you could be among millions of Americans who could benefit from refinancing the loan on your primary residence, vacation home or investment property.

As of May 2025, nearly 7 million borrowers had home loans with a mortgage rate at or above 6%. Refinancing with a lower interest rate could help them shave thousands of dollars off the principal balance of their existing mortgage, or put cash back in their pocket. This blog will briefly address what a refinance transaction entails and important considerations that property owners can use to decide if this option is right for them.

WHAT IS A REFINANCE?

A refinance transaction, or “refi” for short, involves replacing a current mortgage loan with a new one for terms that are more favorable to the borrower, in either the short or long term.

COMMON REASONS TO REFINANCE

1. Lower a monthly mortgage payment
2. Pay off a mortgage sooner
3. Make home improvements
4. Pay down debts
5. Cover major expenses

COMMON TYPES OF REFINANCE TRANSACTIONS

Rate-and-Term Refi

In the long run, locking into a lower interest rate on a 30-year fixed mortgage loan can help homeowners reduce their monthly mortgage payment. For example, if you obtained a $400,000 mortgage loan at a 7.6% interest rate, refinancing with an interest rate around 6.0% could potentially lower your monthly mortgage payment from $2,824 to $2,398 – a savings of over $400 a month and $5,000 a year! A Rate-and-Term refi option also gives the borrower the flexibility to pay off the loan sooner with a shorter-term loan, such as a 15-year fixed.

Cash-out Refi

Many homeowners opt for a cash-out refinance because it allows them to leverage home equity to refinance their mortgage and receive a lump-sum amount of cash for things they want or need now. For example, many homeowners use cash-out refis to help pay for home renovations or repairs. Others use them to pay down credit card debt, or cover major expenses, like medical bills, college tuition or car payments.

ELIGIBILITY REQUIREMENTS

Although there is no official limit on the number of times you can refinance a home loan, some lenders have waiting periods and most require applicants to meet common eligibility criteria:

• Loan history: Lenders generally require a seasoning period of at least six to 12 months since the original loan closed.

• Credit score: In general, the higher your credit score, the better your chances of being approved for the loan and getting a lower interest rate. Credit score requirements vary depending on the type of loan and lender, but most lenders require a minimum credit score of 580 to qualify for refinancing and 620 to take cash out.

• Equity: Lenders prefer that borrowers have at least 20% equity in their home. It is possible to refinance with less equity, but at a higher interest rate.

• Debt-to-income (DTI) ratio: Lenders weigh your monthly financial obligations against your gross income to determine if you can afford the loan. Most lenders prefer a DTI ratio below 50%.

• Loan-to-value (LTV) ratio: Lenders divide the amount you owe on your mortgage by the appraised value of the property. In general, the lower your LTV ratio, the lower your interest rate.

• Cash reserves: Refinances often require at least two-to-six-months’ worth of mortgage payments in the bank. The amount of reserves will depend on the type of property being refinanced (e.g., primary residence or investment property) and the type of loan.

• Income verification: Lenders want to know you have a stable source of income and often require proof of it from the last two years.

• Closing costs: Like all real estate transactions, refinances incur closing costs. Click here to learn more.

OTHER CONSIDERATIONS

• When is the best time to refinance?

The answer depends on your personal situation. However, if the interest rate has fallen considerably lower (generally, at least 1%) than your current home loan, you may want to explore products from various lenders to find one that fits your needs. You may also want to consider how long you’ve had your existing mortgage loan and how long you intend to own the property to determine whether the benefits of refinancing will outweigh the costs.

• Are interest rates expected to go lower?

It’s always best to do your research. Economists continually analyze economic data to predict how the Fed will adjust the federal funds rate, which in turn, drives market rates. Joel Kan, Vice President and Deputy Chief Economist for the MBA, expects the Fed will make two more interest rate cuts this year at .25% each and four more in 2025. If the stars align, we could see rates decline below 6% next year…but nobody knows for sure what the future holds.

• Are there any reduced rates available for refinance transactions?

Some lenders may offer rate reductions for enrolling in a particular program. Others might offer rate buydowns or discount points, which allow borrowers to make a one-time payment at closing that lowers their interest rate on a mortgage.

If eligible, homeowners might save on title and escrow fees from a reissued title insurance policy from the same underwriter. Some lenders and title companies in certain states may also offer rate reductions for retired and active-duty military members.

If or when you’re ready to refinance, Old Republic Title’s dedicated title and closing teams are here to protect your investment and provide a smooth closing experience. Enjoy top-notch products and services that prioritize your needs and help facilitate secure refinance transactions. To find an Old Republic Title team in your area, visit oldrepublictitle.com.

Why Title Insurance Matters: A Cautionary Tale

Can you imagine losing your home because someone else has a legal claim to it? It’s rare—but it happens. In fact, a significant percentage of title searches uncovers an issue that could affect property ownership. While many of these problems are resolved before closing, some remain hidden until it’s too late. That’s where Owner’s Title Insurance comes in.

The Real Risk Behind Hidden Title Defects

Title defects can include anything from clerical errors and undisclosed heirs to unpaid liens or forged documents. These issues can threaten your legal ownership and cost thousands in legal fees—or worse, your home.

The following story, though hypothetical, is based on real scenarios that have led to more than 800,000 cumulative paid title insurance claims* across the industry.

Betty’s Story: A $20,000 Mistake

Betty Buyer, a recent widow, purchased a $100,000 home using $50,000 of her savings and a $50,000 loan. Her lender required a Loan Policy of Title Insurance (commonly referred to as a lender’s policy), which protects the lender’s interest—but Betty declined to purchase an Owner’s Policy for herself. Three weeks after moving in, Betty received devastating news: a $20,000 judgment lien had been recorded against the property just before her purchase. The lien stemmed from a lawsuit against the seller, Sammy, who had since left the country.

Because the lien on Sammy’s property was recorded before Betty’s deed, the creditor could legally foreclose on her home to recover the debt. Betty’s lender’s policy did not cover her personal investment, and without an owner’s policy, she had no legal protection or financial recourse. Betty now faced the impossible choice of paying the $20,000 herself—or losing her home.

What Went Wrong?

The lien was a judgment lien from a civil lawsuit, one of several types of legal claims that can be placed on a property. Others include:

• Mechanic’s Liens – for unpaid contractor work
• Tax Liens – for unpaid property or income taxes
• Homeowner’s Association (HOA) Liens – for unpaid dues or assessments

These liens are recorded in the public record, but they can be missed during the title search due to clerical errors, improper filings or timing. In this case, the judgment lien against the prior owner was recorded after the title search was conducted, but before the transfer of property ownership was finalized, giving Sammy’s creditor a prior stake in Betty’s property.

How Owner’s Title Insurance Protects You

When you buy a home, your lender requires a Loan Policy of Title Insurance to protect their investment. But that policy doesn’t protect your ownership—only an Owner’s Policy of Title Insurance does that.

An owner’s policy:

• Protects you from financial loss—including defense costs and legal expenses—if your ownership is ever challenged due to covered title defects, such as undiscovered liens that existed prior to your property purchase, up to the policy limits.
• Stays in effect as long as you or your heirs own the property.
• Is a one-time cost, typically less than your annual auto insurance premium.

The Cost of Skipping Coverage

In 2024 alone, the title insurance industry spent over $673 million defending homeowners and paying claims. Without coverage, homeowners like Betty are left to fend for themselves—often at great personal and financial cost. Buying a home is the biggest investment most people ever make. Skipping owner’s title insurance to save a few bucks can be a gamble with life-changing consequences.

Final Thoughts

Title insurance may not be top of mind when buying a home, but it should be. It’s a small price to pay for peace of mind and long-term protection. Don’t let a hidden title defect turn your dream home into a legal nightmare.

To learn more about how an Owner’s Policy of Title Insurance can protect your property rights, contact your local Old Republic Title representative or agent. With over a century of experience and a claims-payment ratio among the industry’s best we’re here to help you safeguard your investment.

* Based on combined Form 9 Annual Statements for all insurers within each family, as compiled by the American Land Title Association (ALTA) in the 2024 American Title Insurance Industry Data Book.

13 DIY Staging Tips for Home Sellers

If you’re considering selling your home, you may want to think about staging it. According to the National Association of REALTORS^® 2025 Profile of Home Staging, 83% of buyers’ agents said staging a home made it easier for buyers to visualize the property as a future home.

Don’t have money in the budget for a professional staging team? No need to worry! You can achieve beautiful results on your own. We’ve compiled 13 do-it-yourself (DIY) staging tips to help you showcase your home and impress potential buyers:

1. Maximize curb appeal: Your home exterior is just as important as the interior. It needs to look clean and fresh, which may require a good pressure washing or fresh coat of paint. Make sure driveways and walkways are debris-free and the lawn, trees and shrubs are well maintained. To lure in house hunters, consider painting the front door a bright color, adding colorful flowers or dressing up the front porch with seating.
   
   
2. Clear out the clutter: Visitors should be able to view the features of your home without being distracted by all of your stuff. Too much clutter can hide your home’s true potential and make it appear smaller. To avoid these mishaps, clear out non-crucial items, such as paperwork, children’s toys and knick-knacks. You may find it beneficial to store them offsite in a storage unit or a relative’s garage.
   
   
3. Clean, clean, clean: Now’s the time to perform that deep clean you’ve been putting off for months. From cleaning windowsills and blinds to scrubbing tile grout and dusting baseboards, every inch of your home should be sparkling clean. Carpets, rugs and upholstered furniture may need steam cleaning, especially if you have pets. If it’s too much work or you don’t have enough time, consider hiring professionals.
   
   
4. De-personalize: One of the most effective ways to help buyers connect with the property is by stashing away personal items. Remove family photographs and memorabilia from the walls and refrigerator. Bathroom countertops should remain free of personal items, such as medications, toothbrushes and facial products.
   
   
5. Go neutral: Although bright-colored walls are a great way to showcase your personality, neutral tones like beige, tan, soft gray and warm white make it easier for potential buyers to envision their own style. This doesn’t mean you can’t throw in bold accessories here and there. In fact, strategic pops of color may help visitors feel happy and excited.
   
   
6. Let the good aromas in: Never cook a pungent meal within days of a scheduled tour or open house, especially fish or shellfish. Welcome house hunters with subtle yet inviting scents. Try using a diffuser or candle, simmering fruits or herbs on the stovetop, or baking cookies in the oven. If the weather permits, open windows to allow fresh air to flow through the home.
   
   
7. Lighting makes a difference: Without proper lighting, rooms can appear dark and cramped. A well-lit space is much more inviting to house hunters. Take advantage of the property’s natural light by pulling back curtains and opening up blinds. Combine overhead lighting with table and floor lamps to create multiple layers of light and add visual depth.
   
   
8. Rethink furniture: Each room in the home needs to feel as big and bright as possible, which may require omitting or rearranging furniture. Avoid placing bulky pieces together, in front of windows or in areas that obstruct traffic flow. If your furniture is worn, stained or dated, invest in a slipcover as a cost-effective update, or consider renting pieces that complement your space.
   
   
9. Mirrors are a must-have: Strategically placed mirrors can expand visual space and bring in more reflective light. Hanging a mirror across from a window is the perfect solution for adding natural light to the room. Generate visual interest by hanging a mirror above a fireplace, sofa or console table.
   
   
10. Show off your closet space: Don’t overlook closets. Ample storage space is essential for most buyers. To make your closet look more attractive, pare down clothing, keep the floor clear, incorporate matching hangers and arrange your clothes by color.
    
    
11. Give the kitchen a facelift: The kitchen is often considered one of the most important rooms in a house, and it needs to be bright and welcoming. If your kitchen is dark or dated, painting the cabinets a light color and updating the hardware are easy and inexpensive ways to freshen it up. Keep in mind that visitors may open your drawers and cupboards, so make sure the contents are tidy and not overcrowded. Adding fresh flowers or a bowl of fruit also adds charm.
    
    
12. Don’t overlook bathrooms: When it comes to decorating your bathroom, think spa. Dress up towel bars by layering plush new towels in white or light neutral tones. If counterspace allows, fill glass jars with cotton balls, Q-tips and handmade soaps for a nice decorative touch.
    
    
13. Create an inviting primary bedroom: The primary bedroom should exude a relaxing atmosphere that appeals to all genders and ages. Dress the bed with luxury linens and layered pillow combinations. Add artwork that evokes peace and tranquility such as landscapes, ocean shorelines or desaturated photos in light tones.
    

While DIY staging may seem like an added layer of stress, it could make the difference between a swift sale or stale listing. It may also help you to get top dollar. For information about title insurance on the purchase of a new home or if you have questions about the real estate closing process, contact an Old Republic Title representative today.

Copyright ©2025 “2025 Profile of Home Staging.” NATIONAL ASSOCIATION OF REALTORS^®. All rights reserved. Reprinted with permission. May 6, 2025. https://www.nar.realtor/research-and-statistics/research-reports/profile-of-home-staging