Services & Fees

Whether you are looking to invest, sell, or buy, having a competent and informed title company to handle all aspects of the transaction from start to finish is an absolute must. Not only do most lenders require the services provided by a title company, but real estate transactions are some of the most complex transactions, with a multitude of laws and regulations governing the process, whether there is a lender involved or not. Since homeownership is potentially one of the largest and most important financial decisions you will make, and most certainly a life altering one, the added protection for your investment and future provided by seeking professional services can only bring additional peace of mind and an assurance that the deal was done right and done well.

Among other items placed of record, when a property is financed or it’s ownership is changed, a record of that transaction should be filed in the local county’s public records. When you have a title search completed, these records are thoroughly researched and examined. However, even professionals may not be able to find all of the issues affecting a single property. Some things are difficult to find and others, like missing heirs in the chain of title, are practically impossible to anticipate. Title insurance helps make sure your investment is secure in the event of any discrepancies, errors, and more.

When financing, most often the lender will require a lender’s title insurance policy to be purchased by the consumer at closing. One common misconception is that, because the lender is insured, the homeowner is covered as well and should not be concerned. On the contrary. The lender’s policy protects the lender’s interest only and only persists until the loan is paid in full or refinanced.

Owner’s title insurance is paid for only once but will cover you as long as you own your home (or property) and protect you from a variety of potential defects. Since homeownership is potentially one of the largest and most important financial decisions you will make, and most certainly a life altering one, the added protection for your investment and future can only bring additional peace of mind.

For a very general example, a lender may acquire our services for an escrow closing (which most will require) through which they will provide all of the loan proceeds to the escrow company, and the buyer will also supply their down payment. Once approved and closing is able to take place, the escrow company will then disburse the total amount of the proceeds being held in escrow to the remaining interested parties, i.e. the seller(s), real estate agent(s), and any other service providers involved in the transaction.