Seamless Titles, Smooth Transactions
what we offer
Title Search
A title search is a comprehensive examination of public records to determine the property’s ownership history, uncover any outstanding liens or judgments, and ensure that the title is free of any encumbrances that could affect the transfer of ownership. It plays a crucial role in real estate transactions.
Title Insurance
Title insurance serves as a safeguard for your real estate investment, offering protection against unforeseen claims or disputes associated with the property’s title. It provides coverage for legal expenses and potential financial losses that may arise from undiscovered title defects, liens, or other encumbrances.
Closing & Escrow Services
Closing and Escrow services involve managing the legal and financial aspects of a real estate transaction, ensuring that ownership is officially transferred, funds are disbursed, and legal documents are signed. These services facilitate a smooth and secure real estate transaction, protecting the investment.
Property Survey
A property survey is a report that indicates the location of improvements relative to the boundaries of a property. This survey includes a visual representation of the property’s physical features and a written report outlining the surveyor’s opinions and any potential concerns, issues or discrepancies.
Liens
A lien is a legal claim against a piece of property that is recorded with the local county, giving the lienholder a legal interest in a property. Title companies conduct thorough title searches to identify any existing liens and address them during the real estate transaction to ensure a clear and marketable title for the buyer.
Title Commitment
A title commitment is an official document through which a title insurer reveals to all parties involved in a specific real estate transaction the existing liens, defects, and obligations affecting the property. This document lists all the conditions and requirements that must be satisfied before a title company can provide insurance.
Unknown Heirs
These heirs may have a potential claim to the property through inheritance, but due to inadequate or missing records, their specific details and rights are uncertain. Title companies conduct thorough title searches to identify and address any potential claims from unknown heirs, ensuring a clear and marketable title for real estate transactions.
Mortgage Documents
The mortgage is the legal document that establishes a collateral relationship between the money loaned and the real property purchased. In the event of non-payment, the lender can pursue foreclosure, involving taking possession, selling the property, and using the proceeds to settle the outstanding balance.
Preparing Documents
This is a comprehensive process of creating, reviewing, and organizing legal documents essential for a real estate transaction. This includes the drafting and verification of documents such as deeds, mortgages, and other paperwork necessary for the transfer of seamless property ownership.