We know the home-buying experience can be an equally exciting and stressful experience, especially while you’re waiting for your offer to be accepted. When your offer is finally cleared and with your closing on the horizon, you deserve to work with a title company which has the skills, experience, and compassion to help make your closing experience as efficient and smooth as possible.
A title search is used to find and investigate all of the documents and records related to the ownership of your property. This includes encumbrances, judgments, liens, and claims on the property. Having this information is important to clearing up outstanding issues, which may affect the closing settlement. Our job is to ensure the buyer is gaining all of the rights to the property and that the seller can sell the property.
When you purchase a new home, you are actually buying the title to the property. This gives you the right to own, occupy, and use the space. To protect you against undisclosed problems with the title — including liens and documentation errors, fraud, forged signatures on the deed, and unknown property heirs — a title insurance policy is necessary. All of these factors may cause loss or damage, and your title insurance policy provides you with the protection you need.
After receiving approval for your home loan, your lender will require that you purchase a Loan Policy of Title Insurance. This policy lasts until the mortgage is paid in full.
O & E Reports
A Ownership and Encumbrance (O&E) report is a simplified, non-insurance title report designed to provide you and your title agent with information to aid in the closing process. It is used by investors and homeowners to check open judgements and liens against the property. The results of this report provide us with information related to open mortgages, the current owner and how they obtained the property, tax information, legal descriptions, and more.
Our licensed title agents work with qualified intermediaries for 1031 Exchanges, which allows you to sell your investment property, purchase a similar investment property, and defer capital gains taxes. It is our goal to help you to develop a strategic plan which helps you maximize the benefits of your 1031 Exchange.
Complete Closing Services
Preparing Closing Documentation