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A title search is a detailed examination of all public records that involve title to a specific property. It is conducted to verify that the seller has the right to sell the property and that there are no liens or other claims outstanding.

A title search can reveal unpaid taxes, divorce decree, probate, incorrect legal descriptions, judgments against the prior or current owners, unsatisfied mortgages and any restrictions, easements, and covenants of the land. Title insurance can protect you against loss if any of these problems occur as a result of claims against your property.

Title insurance is a policy that protects the insured from financial loss due to defects in the title to a property. It covers errors in public records, liens, encumbrances, and other issues that may impact ownership rights.

The cost for title insurance is one percent or less based on the purchase price of the property.  The charges include the closing fee, title search fee, title examination and the title insurance policy.  Please contact our office for a free no-obligation quote for your title work.

Closing costs are fees associated with the purchase of a property that are paid at the closing. They can include appraisal fees, title search fees, attorney fees, recording fees, and other charges.

There are 2 types of title insurance policies, Lender's Policy and Owner's Policy.

If a mortgage is to be placed on your property, the mortgage lender will require that you purchase a lender title insurance policy.  The lender title insurance policy does not protect you, it protects the lender.  An Owner's Title Insurance Policy protects you.  You pay for this only once.  There are no renewal premiums and there is no expiration date on the policy for as long as you own the property.