Services
We provide title insurance Owner’s Policies for buyers and Loan Policies for lenders. We also provide limited title searches for lenders or other interested parties, as well as mineral rights searches. Through our closing company, Professional Escrow Company, we provide closing and escrow services for all types of real estate transactions.
Title Insurance
Title Insurance is a type of insurance that guarantees ownership interest in real estate. Title insurance is different from most other forms of insurance. The function of most other forms of insurance is simply assuming your risk. These insurance companies provide financial protection to their policy holders by preventing loss arising out of unforeseen future events. In order to keep the insurance in place, ongoing payments or premiums are necessary..
Why Title Insurance
The primary purpose of Title Insurance is to eliminate risk and prevent losses caused by defects in title arising out of events that have happened in the past. Each new possession of a property can affect the title, such as: refinancing, a tax lien, an encroachment by a neighbor, or the marriage, divorce, or death of an owner. Only a diligent search of a complete database of title records by an experienced title examiner will discover these potential defects.
Why Choose Us
Our title professionals search public records to see if any outstanding matters can affect your rights as a buyer. If issues are identified, we work to remedy any problems that could keep you from having a "clear" title. If Title problems do arise in spite of a title insurance company's research, title insurance will pay the cost of defending against an attack on the title as insured, as well as any other valid claims.A title insurance policy is issued for a reasonable, one-time fee.
What's it Cost
The cost varies, depending mainly on the value of your property. The important thing to remember is that you only pay once, and then the coverage continues in effect for so long as you have an interest in covered property. If you should die, the coverage automatically continues for the benefit of your heirs. If you sell your property, giving warranties of title to your buyer, your coverage continues.