FAQ's

Title searches are necessary not only for issuing title insurance, but also for closing on the property and completing the purchasing process. Any outstanding issues must be satisfied and removed before closing can take place.

A title search is an examination of public records to determine and confirm a property’s legal ownership, and find out what claims or liens are on the property. A clear title is required for any real estate transaction to go through properly.

A clear title is a title without any type of lien or levy from creditors or other parties that would pose a question as to legal ownership. For example, an owner of a home with a clear title is the sole undisputed owner, and no other party can make any kind of legal claim to its ownership

Title insurance protects both real estate owners and lenders against loss or damage occurring from liens, encumbrances, or defects in the title or actual ownership of a property. Unlike traditional insurance, which protects against future events, title insurance protects against claims for past occurrences.

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