What is a Title?

A title is the evidence or right, an individual has to the ownership and possession of land.

What is Title Insurance?

When purchasing property, you actually are purchasing the title to the property. After you buy a home, you are given a title to the property which gives you full legal ownership. Sometimes there can be a defect in the title, which could give someone else a valid legal claim against your property. Title insurance is portection against loss if a covered defect is found in your title.

Do I Need Title Insurance?

Yes, it protects all parties involved in the real estate transaction, and protects against previous mistakes or defects in the process. Some examples of these issues are: forgeries on deeds, typographical errors, pending legal actions against the property, claims by previous undisclosed relative of a former owner, outstanding judgments or liens, easements, etc.

Having title insurance can save you money, headaches, time and possibly your home.

How Does Title Insurance Work?

There are two types of title insurance policies, a “Loan Policy” or “Lender’s Policy,” protects the Lender and covers the outstanding balance on the mortgage, but it does not protect you as the homeowner.

The second type is called an “Owner’s Policy,” which is always a good idea to purchase when acquiring property. This covers you as the Buyer. An Owner’s Policy insures that the title to the property is free from defects, except those which are listed as exceptions in the policy.

Before title insurance is issued, Fidelity Title, Inc. performs numerous searches on the records of the property to determine if any defects exist. Through the search and examination process, title issues are discovered and claimed so they can be corrected if possible. It is always prudent to invest in a title insurance policy to protect from possible financial loss, in the even title defects are found after the search process.

What is a Title Insurance?

When purchasing property, you actually are purchasing the title to the property. After you buy a home, you are given a title to the property which gives you full legal ownership. Sometimes there can be a defect in the title, which could give someone else a valid legal claim against your property. Title insurance is portection against loss if a covered defect is found in your title.

Do I Need Title Insurance?

Yes, it protects all parties involved in the real estate transaction, and protects against previous mistakes or defects in the process. Some examples of these issues are: forgeries on deeds, typographical errors, pending legal actions against the property, claims by previous undisclosed relative of a former owner, outstanding judgments or liens, easements, etc.

Having title insurance can save you money, headaches, time and possibly your home.

How Does Title Insurance Work?

There are two types of title insurance policies, a “Loan Policy” or “Lender’s Policy,” protects the Lender and covers the outstanding balance on the mortgage, but it does not protect you as the homeowner.

The second type is called an “Owner’s Policy,” which is always a good idea to purchase when acquiring property. This covers you as the Buyer. An Owner’s Policy insures that the title to the property is free from defects, except those which are listed as exceptions in the policy.

Before title insurance is issued, Fidelity Title, Inc. performs numerous searches on the records of the property to determine if any defects exist. Through the search and examination process, title issues are discovered and claimed so they can be corrected if possible. It is always prudent to invest in a title insurance policy to protect from possible financial loss, in the even title defects are found after the search process.

Services

  •    Residential Title Insurance
  •    Commercial Title Insurance
  •    Escrows
  •    Real Estate Closing Services
  •    Judgement/Lien Searches
  •    Chain of Title
  •    Letter Reports
  •    Search & Hold
  •    Document Recording
  •    Construction Inspection
  •    Document Retrieval
  •    Tax Deferred Exchanges
  •    Foreclosure Commitments
  •    Real Estate Document Forms
  •    Notary Services
  •    Name Searches

Services

  •    Residential Title Insurance
  •    Commercial Title Insurance
  •    Escrows
  •    Real Estate Closing Services
  •    Document Recording
  •    Construction Inspection
  •    Document Retrieval
  •    Tax Deferred Exchanges
  •    Judgement/Lien Searches
  •    Chain of Title
  •    Letter Reports
  •    Search & Hold
  •    Foreclosure Commitments
  •    Real Estate Document Forms
  •    Notary Services
  •    Name Searches