📊 Title Vesting Summary Chart
A quick-reference guide you can use on your website, in client packets, or during buyer consultations.
For more information – review this more detailed explanation
| Vesting Option | Who It’s Best For | Pros | Cons |
| Sole Ownership | Single buyers; married buyers owning separately | Full control; simple | Probate applies; no co-owner support |
| Joint Tenancy w/ Right of Survivorship | Couples; co-owners wanting equal shares and easy transfer at death | Avoids probate; equal ownership | Must have equal shares; severed if one owner sells |
| Tenancy in Common (TIC) | Friends, partners, or investors with different ownership percentages | Flexible shares; independent transfer | No survivorship; requires coordination |
| Community Property | Married couples in CP states | Clear 50/50 ownership; possible tax benefits | No survivorship unless added |
| Community Property w/ Right of Survivorship | Married couples wanting probate-free transfer | Avoids probate; tax benefits | Only available in certain states |
| Tenancy by the Entirety | Married couples seeking legal protection | Creditor protection; survivorship | Not available in all states; less flexible |
| Trust (Living Trust) | Buyers focused on estate planning | Avoids probate; customizable | Requires legal setup; ongoing management |
At Sequence Mortgage, we always encourage buyers to consult with a title officer, attorney, or estate planner to ensure their vesting choice aligns with their goals. A few minutes of planning today can make a world of difference tomorrow.
