Services

• Title Abstract: A summary of the legal history of a property, including ownership transfers, encumbrances, liens, and any legal issues affecting the title.
• Title Commitment Report: A report detailing the terms and conditions under which a title insurance policy would be issued, including any exceptions or exclusions.

Title Insurance Policies: Offering insurance to protect the buyer, lender, or property owner from any future title disputes or defects not identified during the title search. Includes:

• Owner’s Title Insurance: Protects the buyer.
• Lender’s Title Insurance: Protects the lender.
• Title Insurance Premium Calculation: Assessing the cost of title insurance based on the property’s value and the type of coverage required.

• Lien Search: Checking for any outstanding liens (e.g., mortgage, tax, or mechanics’ liens) that may affect the property.
• Judgment Search: Identifying any court judgments or legal claims against the property or its owner that could affect the title.

• Verification of Ownership: Confirming that the person selling the property is the rightful owner and has the authority to sell the property.

• Closing Document Preparation**: Assisting in the preparation of documents required for property transfer, including deeds, affidavits, and other legal documents.
• Escrow Services: Holding and managing funds during the closing process, ensuring that the transaction goes smoothly.
• Deed Recording: Ensuring that the deed of transfer and other legal documents are properly recorded with the appropriate local government office.

• Real Property Research: Conducting additional research on zoning, easements, restrictions, and other factors that could affect property use or transfer.
• Estate and Probate Searches: Investigating properties owned by deceased persons, to ensure title transfer is possible in cases of inheritance.

• Document Retrieval: Obtaining and reviewing public records, such as deeds, mortgages, and other legal documents, related to a property.
• Property Data Reports: Providing detailed reports based on public records, including ownership history, encumbrances, and legal matters.

• Notary Public**: Certifying documents related to property transactions, ensuring that they are legally binding.

• Final Title Policy Issuance: Issuing a final title insurance policy after the closing, protecting the buyer or lender from potential future claims.
• Record of Ownership: Providing the buyer with a final, recorded deed that reflects the change in ownership.

• Real Estate Closing Coordination: Helping coordinate the closing process between buyers, sellers, lenders, and attorneys.

• Foreclosure Search: Investigating properties that are in foreclosure to determine any outstanding issues or claims.
• Bankruptcy Search: Checking if the property or its owner is involved in any bankruptcy proceedings.

• Mortgage Search: Investigating the status of any existing mortgages, including unpaid balances or terms that could affect title.
• Refinancing Support: Assisting with title searches and reports required during refinancing transactions.