Title Services
Settlements We Provide
Purchasing Property
Buying your own house is exciting, but it can also be an intimidating and overwhelming experience. Our mission is to be your guide and equip you with knowledge and a full understanding of the home-buying process so you can be more confident in making an informed decision, most likely the most important decision.
Selling Property
Selling your home can be a daunting process, but we are here to assist you by simplifying this transaction. We will work with your listing agent and you from the moment we receive the contract to closing day to make this as smooth of a process for you as possible.
Refinancing Transactions
The traditional refinancing closing process can be complex. Get the best possible help of our experienced settlement officers who will work diligently with your lender to execute a smooth closing.
Commercial Transactions
Our expert team is experienced in ensuring fast, trouble-free commercial transactions. We help expedite both the conveyancing process for lenders in retail and commercial property development, as well as commercial real estate purchases and sales.
What We Include & Offer With Every Settlement:
Title Search & Status
It’s our job to focus on and research local court records and make sure there are no unresolved claims, judgements or liens on the home’s/property title. Clean title is an imperative component of moving forward your transaction with ease.
We’ll work to resolve any issues or inconsistencies.
Document Prep
We also integrate into your home buying team, working with you, your lender, and your agent to prep the closing paperwork. We make sure we have all the documents prepared and ready for signing.
Title Insurance
Even the most detailed title investigation isn’t infallible.
We’ll insure you and your lender against unexpected title issues and the financial devastation they could bring. Your lender will require that you purchase a “Lender’s Title Insurance Policy” to protect the lender for the amount of your loan. The “‘Lender’s Title Insurance Policy” only provides protection to the lender.
To protect your interest in the property, you need to obtain an “Owner’s Title Insurance Policy” for the full value of the property.The premium for an “Owner’s Title Insurance Policy” is a onetime fee collected at settlement, and your policy is valid for as long as you own your property.
Why You Need Title Insurance
Your lender will require that you purchase a “Lender’s Title Insurance Policy” to protect the lender for the amount of your loan. Your lender knows that, even though title to your property has been searched by a qualified title examiner, hidden defects in the chain of title may still exist. These hidden defects may give someone a claim against your property. Title insurance protects against these claims.
The “Lender’s Title Insurance Policy” only provides protection to the lender. To protect your interest in the property, you need to obtain an “Owner’s Title Insurance Policy” for the full value of the property.
The premium for an “Owner’s Title Insurance Policy” is a onetime fee collected at settlement, and your policy is valid for as long as you own your property. If you have a title claim while owning the property, your title insurance will (i) provide you with an attorney to defend your property interest in court, and (ii) settle and pay any claims against your property as a result.
Just as you purchase homeowner’s insurance to protect your home against fire or other catastrophes, you should also purchase an “Owner’s Title Insurance Policy” to protect your investment against defects in the title to your property.
What does Title Insurance cover?
Title Insurance covers against a variety of hidden defects, the most common of which are as follows:
- A forged will or deed that does not transfer title to the buyer
- Deeds, wills, and trusts that contain incorrect names
- Unpaid mortgages, judgments or tax liens
- Unknown Easements
- Undiscovered Encumbrances
- Unknown Liens
- Incorrect notary acknowledgments
- Documents executed under an expired or fabricated power of attorney
- A signature of a minor or mentally incompetent person
- Fraudulent misrepresentations
- Previously undisclosed heirs with claims against the property
- Invalid divorces
- False affidavits
- Sellers who misrepresent their marital status
- Disputed Ownership and Boundaries
- Clerical errors in the land records office of the courthouse
- Public Record Errors
- Confusion arising from the similarity of names
- Undiscovered wills
These and other examples of hidden defects can result in a claim being made against your property. Owner’s Title Insurance protects you against these claims. Title claims can be costly and may prevent you from selling or refinancing your home. Make sure you protect your investment in your property with the purchase of an Owner’s Title Insurance Policy.
Closing Coordination
With all your questions answered and paperwork ready, we’ll synchronize the buyer, seller, and agents to schedule the final closing.
We’ll also handle all the checks, deeds, affidavits, and authorization letters for the big day.
Final Closing
As your settlement coordinator, we act as a neutral third-party to oversee the transaction.We not only make sure i’s are dotted and t’s are crossed, but collect funds, hold them in escrow, and disperse them on time per contract.
Filing & Recording
After your smooth settlement, we file the deed and documents with the county for posterity. You head off with the keys to your new home and we head to the courthouse. Once all is recorded we will send originals and copies to the respective parties.
Ready to get started?
Click on the button below to schedule a closing.
Call us (304) 249-4099
Email us at [email protected]