What is Title Insurance?

In order to answer that question, we need to first understand the following terms:

TITLE

a title is the foundation of property ownership. It is the owner’s right to possess and use the property

DEED

a deed is not necessarily proof of ownership. A deed is just a document by which the right of ownership of land is transferred. It does not do away with the rights others may have to the property

ABSTRACT/SEARCH

an abstract or search is a history of the property title, as revealed by public records

TITLE INSURANCE

Title Insurance is your policy of protection against loss if any problems- even a “hidden defect” in the title in which an examination of records could not reveal- results in a claim against your ownership interest in the land. 


  • Title Insurance provides financial protection against paying claims and legal fees involved in defending should a dispute arise. 



  • If a claim is made against your property, title insurance will, in accordance with the terms of your policy, assure you of a legal defense and pay all court costs and related fees.


TYPES

LENDERS

All lenders require a loan policy to protect the loan they issue to the buyer. The buyer/borrower is required to pay for the policy. The cost is based on the loan amount. 

OWNERS

Optional policy, though highly recommended. The cost is based on the sales price. The policy lasts as long as the owner maintains financial interest in the property. 

Buyer/Borrowers have the right to choose their own Title Company for their settlement services. 

HERE'S THE PROCESS

What are the stages in the settlement process?

Pre-processing

  • Intake, initial fact finding, build file, introductions
  • Order title search
  • Prepare title insurance binder

Processing/Pre-closing

  • Coordinate with all parties
  • Build closing Disclosures
  • Obtain lender instructions and loan documents
  • Secure funds from all parties
  • Conduct closing

Post Closing

  • Prepare and record Deeds and Deeds of Trust in land records
  • Disburse funds, track funds cleared
  • Issue Title insurance policy

We’re big enough to get things done, but small enough to care.

Contact Us To Get Started

We can close in our office, your office, your home, or anywhere that’s convenient for you. 

We offer:

  • Notary Signing
  • E-Notary Signing