Which entity is most often responsible for ensuring that a buyer's title is free of defects?

The title agent plays a crucial role in the real estate transaction process by ensuring that the buyer's title is free of defects. This involves conducting a thorough title search to review public records and identify any potential issues that may affect ownership, such as liens, encumbrances, or unresolved claims. The title agent also provides title insurance to protect the buyer and lender against any future claims or defects that may arise after the sale is finalized.

While a real estate agent facilitates the transaction and a mortgage lender provides financing, neither of these roles is primarily focused on the title itself. A property appraiser assesses the value of the property, but does not verify title integrity. Therefore, the title agent is specifically tasked with the responsibility of ensuring a clear and marketable title, making this the correct choice.