Real Estate Title and Closing Services for Sellers, Buyers, Lenders, Attorneys and Realtors
Hybrid Esign Closing
We will validate your identity and send all documents that do not require a notary public to your email for secure electronic signage. All documents that require a notary public to witness your signature will be emailed to you for printing and signature in front of a local notary public. You will then overnight these notarized documents back to our office for review. Upon execution of all terms outlined on our title commitment we will disburse funds and complete the closing.
Insured Closing
We will meet with the clients, explain all documents to them including loan documents, notarize signatures, record documents, disburse funds, payoff any liens on the property, and satisfy all requirements of the title commitment and those of any lenders. Upon satisfaction of all terms of the commitment a land title policy will be issued.
Non-Insured Closing
We will meet with the clients, explain documents to them and take care of notarization, disbursement, and recording of documents. However, no land title insurance will be issued. We are only acting as a disbursing agent only.
Title Insurance
Title insurance protects you and your lender if someone challenges the title to your property. This may be in the form of an alleged title defect, which was unknown to you at the time you purchased the property, but came to light at some future date during your ownership of the property. Our team will do a comprehensive search of the public records and issue a title commitment outlining the things that must be done for a clear title free to be obtained by parties involved on a purchase contract or mortgage. This commitment will also list all covenants, restrictions, easements, mineral rights, leasehold interests associated with the real estate. Once all terms of this commitment are met we will issue a title insurance policy. There are two types of Title Insurance: Owner’s Title Insurance which protects the owner listed on our commitment and Lender’s Title Insurance which protects the lender listed on our commitment. Title Insurance protects your ownership or mortgage. Should an issue arise with title in the future and our underwriter determines you have a valid claim they will fix or fully reimburse you up to the amount listed on your title commitment. You will have peace of mind with a title insurance policy. It protects your investment.
Ownership Report
Our team will review the public records to give you a snapshot of current ownership and liens on a property. Ownership reports just show you the basics about a property. The current owner per the last deed of record and any active liens. No title insurance will be issued. It is a quick snapshot and should only be used for informational purposes. Our office always suggests getting a title insurance policy if you decide to buy real estate.
Letter Search
Our team will review the public records and do a full comprehensive report on the property just as we would with a title insurance commitment. However, with one very big difference. No title insurance will be issued. Letter searches should only be used for informational purposes. Our office always suggests getting a title insurance policy if you decide to buy real estate.