We are a Full Service Title, Escrow and Settlement Agency.

What does this mean?

• We will explain the title and closing process
• Will hold any escrows required for purchases or refinances
• Explain all costs and fees
• Work with your lender or attorney
• Provide you with a fast and seamless closing

HOME BUYERS OR REFINANCING YOUR EXISTING HOME

Why Do I Need Title Insurance?

Your home is probably going to be your biggest asset or investment, therefore it must be protected.  Title insurance protects against:

• Any hidden title defects
• Forged documents
• Errors
• Misrepresentation
• Clouds on title

Even though great efforts are practiced to insure your title is clear, sometimes documents were not filed properly or circumstances like the ones listed above can and sometimes will try to take away what you worked so hard for. This is where you need the protection of Title Insurance.

What Does a Title Agency Do?

Step One

Title Insurance Agencies begin with a thorough title search through the public records located at the county courthouse. The agency also performs an unrecorded lien search to make sure that municipal taxes, water and sewer fees are current.

Step Two

The agency then takes all their findings and types up a commitment which will show everything that has to be cleared and satisfied to insure a clear title.

Step Three

Once the commitment is prepared, the agency will clear any clouds on title, order any payoffs (such as mortgages, liens or judgements), receive copies of the borrower’s homeowner’s insurance policy, and survey. If the borrower does not have a survey, one will be ordered on their behalf, if the lender requires one.

Step Four

After everything is satisfied, we are ready to close. We will schedule a time for the borrower to sign their documents foreclosing. After all documents are signed, the closing package is reviewed to be sent back to the lender.

Step Five Once all steps have been completed and all documents have been recorded, the agency will then issue the title policy.