Title Services

As an American consumer, your home may be one of the biggest investment you will ever make. While that purchase may seem straightforward, there are many hidden nuances that can keep you from enjoying your property. Title insurance protects you from financial loss if defects are found in your title to real property and from the invalidity or unenforceability of mortgage loans. The title insurance process reduces the many ways ownership of your property can be jeopardized. Simply put, it’s the best way to protect your biggest investment.

Title Insurance and Exam

Most types of insurance simply assume the risk for financial burden in case of accident or an unseen event. Title insurance works proactively focusing on eliminating risks and losses from events that have happened in the past. Our team of skilled professionals conduct a comprehensive and intricate title search and exam. We examine documents such as judgements, liens, taxes, bankruptcies, and pending divorces to ensure the property is ready for you to purchase. We also inspect government related documents such as zoning and property surveying to further eliminate risk.

Curative Action

If any defects are found relating to a title, our team will take curative action to fix these problems and ensure this will not be a burden in the future.

Once the search and curative action are completed the property will be deemed insurable and the transaction can be closed. After closing the new owner will be issued a policy of property insurance protecting them from not only record matters, but also fraud, forgery, and lack of capacity in prior transactions.

Owners Policy

For a one-time premium (paid at closing), an Owner's Policy protects the homeowner from enumerated title risks for as long as the insured (or their heirs) owns the property. Extended policies and expanded coverage can also be issued to address title issues that may arise after the policy date, including false claims by others, encroaching structures built by neighbors, and more.

Loan Policy

A Loan Policy is generally required by lenders (and purchasers of loans in the secondary mortgage market) to help protect against unforeseen title problems. While an owner's policy covers the purchase price of the home, the lender's policy covers the amount of the loan on the property. This policy may insure that the lender has a lien that is valid and enforceable, and that the lender's lien has priority over other liens. Extended policies and expanded coverage options are also available to lenders.