Title Services

The real estate closing is where it all becomes official. Since you've worked so hard to find or sell your property, it is important to have a reliable closing provider. Don’t know where to begin? Here are a few questions that you might want to ask:

  • How many transactions does the company complete each year?
  • Is the company adequately staffed to complete my transaction in a timely manner?
  • How up-to-date is the company with current federal laws and requirements?
  • You can also contact your local BBB, state insurance department or state title association to see if they are members or can provide you with any further information about the company.

We can recommend title services to all parties involved—buyers, sellers, lenders and real estate agents. Our job is to coordinate everyone involved, while transferring money and property during a closing. When using the services of a title company, this process eliminates any risks that there are any claims, assessments, errors, or miscellaneous defects on the title when you purchase the property.

Our Title Services

Title Search
A title search is a detailed review of public records to ensure the property has a clear and transferable title. This process confirms that the title is free of liens, judgments, easements, or other encumbrances that could impact ownership.

Lien Search
A lien search identifies any outstanding financial obligations tied to the property — such as unpaid taxes, lease payments, or secondary mortgages. These must be resolved before the title can be legally transferred to a new owner.

Title Insurance
Title insurance provides protection against issues that may arise from errors or omissions in the title search. It safeguards both the property owner and the financial institution from potential legal claims related to past ownership or undisclosed title defects. The cost of title insurance can be paid by the buyer, the seller, or shared by both parties.

There are two different kinds of title insurance:

  1. Lender's Title Insurance - Protects the lender’s investment by ensuring they hold a valid, first-position lien on the property. It offers coverage against title issues that could affect the loan’s security.
  2. Owner's Title Insurance - Protects the buyer from future claims or undiscovered defects in the title after the purchase is complete. This policy is paid for once at closing and does not require annual premiums. In some cases, the seller may purchase this policy to provide peace of mind to the buyer.

Why It Matters

While lender’s title insurance is typically required by mortgage companies, only an owner’s policy will protect you — the buyer — from potential legal expenses in the event of a dispute. It's an essential layer of protection for your investment.

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