What Is a Bonded Title and How Does It Work?

If you’ve recently purchased a vehicle but didn’t receive a title — or if the original title was lost, damaged, or never transferred properly — you might need what’s called a bonded title. At Swift Auto Title Services in Houston, Texas, we help vehicle owners navigate the bonded title process with ease and confidence.

What Is a Bonded Title?

A bonded title, also known as a certificate of title surety bond, is a special type of title issued by the state when standard proof of ownership is missing or incomplete. It allows you to legally register, insure, and sell the vehicle.

The word bonded refers to the surety bond that you’re required to purchase. This bond protects any previous owners or lienholders who might later claim rightful ownership of the vehicle.

When Do You Need a Bonded Title?

You might need a bonded title if:

• You bought a vehicle but didn’t receive a title.

• The title was lost or stolen before it could be transferred to your name.

• The seller never transferred the title properly.

• The title you received has errors or is damaged beyond use.

• You built or inherited a vehicle without proper documentation.

How Does the Bonded Title Process Work in Texas?

1. Application for Title

   • Fill out the Texas Form VTR-130-SOF (Statement of Fact).

   • Provide any supporting documents (e.g., a bill of sale, receipts, photos).

2. Surety Bond Requirement

   • The Texas DMV will assign a bond amount, usually 1.5 times the value of the vehicle.

   • You’ll purchase a surety bond from a licensed provider.

3. Submit to DMV

   • File all forms, the bond, and your ID with the local tax office.

   • Pay applicable fees.

4. Get Your Bonded Title

   • If approved, you’ll receive a title marked “Bonded,” which is valid for three years.

After three years without any ownership claims, you may apply for a regular title.

Why Work With Swift Auto Title Services?

Navigating the bonded title process can be frustrating and time-consuming. At Swift Auto Title Services, we handle everything from form preparation to surety bond coordination. Our goal is to help you get your title faster — without the stress.

Benefits of working with us:

• Fast and accurate paperwork

• Bond assistance through trusted partners

• Experience with the Texas DMV

• Personalized customer support

Need a Bonded Title in Houston? Contact Us Today!

Don’t let a missing or lost title stop you from driving your vehicle. Contact Swift Auto Title Services to get started with a bonded title today.