Our Services
Title Search and Examination
Title search and examination services provided by a title company are an important part of the real estate transaction process. When you purchase a property, you want to be sure that you are buying it from the rightful owner and that there are no other claims or liens on the property.
Our services provide confidence to both the buyer and lender that the purchased property is free and clear of any liens or claims that could affect title.
Title Search
We search public records to ensure that the property you are purchasing has a clear title. This means that we look for any existing liens, claims, or other issues that could affect title and ownership to the property.
Resolution of Title Issues
If any title issues are found during the search or examination process, we work to resolve them before the transaction can proceed. This may involve working with the seller to clear any liens or claims against the property.
Examination of Title Documents
Once the title search is complete, we examine all relevant title documents to ensure that the title is clear and marketable. This includes reviewing deeds, mortgages, and other documents related to the property.
Reporting
Once the process is complete, we provide the parties with a comprehensive report of the property’s history.
Title Insurance
The main purpose of Title Insurance is the following:
- Protect a buyer and a lender against defects in the title
- Peace of mind for all parties involved in the transaction
- Covers legal fees and costs associated with defending title
- Reduces the risk of disputes and claims in the future
Title insurance is a type of insurance that helps protect buyers and lenders from potential financial losses due to issues related to the title of a property. When you purchase a property, you become its owner and have legal title to it. However, there may be unknown issues or defects with the title that could affect your ownership rights and result in costly legal fees and problems.
Title insurance provides peace of mind by protecting you from financial loss in case any of these issues arise. For instance, if you are a buyer, and if someone claims to own a portion of your property or there are liens or other claims against the property that you were not aware of at the time of purchase, title insurance helps cover the costs of resolving the issue.
By purchasing title insurance, you are ensuring that your investment is protected and that you can have confidence in your ownership rights. It is a one-time cost that can provide long-term protection and help avoid costly legal battles or other disputes related to the ownership of your property.
Ultimately, our relationship with the buyer and seller is one of trust. As part of a real estate purchase, a buyer typically deposits money into our escrow account. We hold the funds until the transaction is complete, at which point we disburse the funds as agreed to by the parties involved. Our goal is to provide a secure and efficient way for the parties to exchange funds and documents.
Escrow Services
Closing Services
Closing services provided by a title company are crucial in ensuring that real estate transactions are conducted properly and efficiently. By acting as a neutral third party and coordinating the final steps of the transaction, we help to ensure that all parties involved are protected and satisfied at closing. Some of the closing services that we provide at closing include:
- We review the Purchase Agreement to ensure that the closing documents to ensure that all terms and conditions accurately reflected the agreement of the parties.
- We prepare all necessary closing documents, including the deed and mortgage.
- Closing occurs at our office in order to ensure a comfortable and professional environment.
- We handle the disbursement of funds and documents after the closing is complete.
- We ensure that all necessary documents are recorded with the appropriate government agencies.
Document Retrieval and Recording
Retrieval
We retrieve all necessary documents related to the property, including deeds, mortgages, and other relevant paperwork.
Storage
We keep a copy of all recorded documents for safekeeping so they can be easily retrieved if needed.
Review
We review all documents to ensure that they are complete, accurate, and to meet legal requirements.
Recording
Once the documents are reviewed and closing has been completed, we record documents with the appropriate government agencies, such as the county recorder's office. This ensures that the documents are officially on record and can be accessed in the future if needed.
We provide document retrieval and recording services in order to ensure that all documents related to a real estate transaction are properly recorded and easily accessible in the future.
