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Title Insurance

A title to real property is the record of ownership. In a real estate transaction, a title company completes an extensive search to show items that have occurred within the chain of title that would have an adverse effect on ownership or marketability of the property itself. Title Insurance protects owners and lenders against a loss they might experience due to defects in title that have occurred prior to their ownership or interest. This could include liens or encumbrances, prior fraud or forgery, and errors in public records, and a variety of other adverse issues.

Two types of Title Insurance Policies are generally issued during a purchase transaction:

Owner’s Title Insurance

This provides coverage directly to the insured owner listed in the policy and describes the type of real property interest owned along with any outstanding interests. The one-time premium is collected at closing and the coverage lasts as long as the owner or their heirs are vested in title of the subject property.

Lender’s Title Insurance

A loan policy protects the Lender’s interest in the defined property. This is also a one-time premium that is collected at closing. The loan policy term limits are for the lifetime of the recorded loan. Once the loan is paid off, the lender no longer has an interest in the property and therefore no longer requires coverage.

Escrow

Escrow services are needed in the purchase and sale of real estate to make sure the buyer/lender funds are properly disbursed and that title to the real estate is properly transferred. The buyer, seller, and the lender give the escrow holder written instructions to follow in order to draw the documents and transfer the funds. The Escrow Officer will also clear the title of any monetary liens that the buyer didn’t agree to assume.

Residential Resale

This type of escrow specifically is for ensuring that all the requirements for the sale of a property are followed. The escrow holder makes sure that the funds get to the proper parties and that all documentation is in order and sent where it needs to go. For example, the escrow holder would send the deed from the seller to the buyer of the property.

Refinance

When refinancing your mortgage, generally your current mortgage is paid off through escrow and is replaced by recording a new mortgage in the name of the new lender. Closing escrow services are used to manage the transfer of funds from your new lender to payoff the previous lender, and to disburse funds to pay taxes and any other liens that need to be cleared.

The people we serve.

Our customer-base ranges from large organizations to small-business leaders, and first-time home buyers to those with multiple property investments. Whatever your needs may be, we’ve got you.

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Feel free to contact us anytime! For more immediate assistance, please call us at 509-328-7171.