Real Estate Title Research Services

Our residential and commericial real estate title research service, we focus on examining property records to determine ownership and identify any potential issues that could affect a property's title. This research is crucial for ensuring a smooth real estate transaction, protecting buyers and lenders from future legal disputes. 

 

Here's a more detailed breakdown:

 

Core Functions:

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• Chain of Title Research:

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  This involves tracing the history of ownership for a specific property, reviewing all recorded documents (deeds, mortgages, liens, etc.) to verify that ownership has been transferred correctly over time. 

• Title Defect Identification:

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  The research identifies potential problems with the title, such as outstanding liens, unresolved judgments, unpaid taxes, easements, or other encumbrances that could cloud the ownership. 

• Title Abstract Preparation:

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  Based on the research, we prepare an abstract of title, which is a summary of the property's ownership history and any identified issues. 

• Title Insurance:

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  Title research is a prerequisite for obtaining title insurance, which protects buyers and lenders from financial losses resulting from title defects discovered after the purchase. 

 

Key Aspects of Title Research:

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• Public Records Review:

  Title researchers examine various public records, including deeds, mortgages, tax records, court judgments, and probate records, to uncover the property's ownership history. 

• Verification and Documentation:

  They verify the accuracy of recorded documents and ensure that all necessary information is included in the title abstract. 

• Identification of Issues:

  Title research aims to identify any potential problems that could affect the validity of the title, such as liens, judgments, easements, or other encumbrances. 

• Due Diligence:

  Title research is a critical part of the due diligence process for both buyers and lenders, ensuring they are aware of any potential risks associated with the property. 

• Risk Mitigation:

  By identifying and addressing title defects, title research helps to mitigate risks associated with real estate transactions, protecting the parties involved. 

 

Services Offered:

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• Title Searches:

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  This is the core service, involving the review of public records to establish ownership and identify potential issues. 

• Title Abstract Preparation:

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  Creating a summary of the property's title history and any identified defects. 

• Title Insurance:

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  Facilitating the purchase of title insurance, which protects against financial losses due to title defects. 

• Closing Services:

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  Working with buyers, sellers, lenders, and other parties to complete the real estate transaction. 

• Document Retrieval and Recording:

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  Assisting with the retrieval and recording of necessary legal documents. 

 

Importance for Real Estate Transactions:

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• Ensures Clear Title:

  Title research helps ensure that the property is being sold by someone with the legal right to do so and that there are no outstanding claims or issues that could impact ownership. 

• Protects Buyers:

  Buyers are protected from future legal challenges or financial losses due to undisclosed title defects. 

• Facilitates Financing:

  Lenders require title insurance, which is based on the results of title research, to protect their investment. 

• Enables Smooth Closings:

  By identifying and addressing potential problems early on, title research helps to streamline the closing process and avoid delays or complications.