Correct option is (b).
The title company is not a party to the contract. Title company is a neutral third party which is hired by buyer to research and insure the title of the home he is buying.
When we are purchasing a home, we will have to deal with the title company in the process of buying a house. The role of the title company is just to verify that the title to the real estate is given legitimately to the home buyer. Especially, title company make sure that a seller has all the rights to sell the property to a buyer.
Once a title insurance company completes its verification, it will give back that guarantee with the title insurance, which protects the lender or the owner in the event that someone may come along and makes a claim to the property in the future.
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