Title Services

A title is an abstract concept that signifies one or more individuals own the property listed on the face of the title. State laws vary regarding exact procedures for effectively recording title to property; however, a majority of states agree that each transfer of title must be recorded in a county recorder's office for an owner to hold valid title. Before you purchase a property, confirm that the seller holds valid title to the property. A title insurance company will search the property's title index for you for a fee, or you can visit a county recorder's office and search the title index.

We offer a range of title search reports including

• 1. Current/One Owner Search/Property Report/Ownership and Encumbrance Report

  A search that goes back to the FVD and each deed in the chain that was recorded since the FVD must be reviewed to verify that the title passes to the current owner of record. The names of the grantees in the FVD and all subsequent title holders must be run for Mortgages/Deed of Trusts, general liens, such as judgments and federal tax liens for the full statutory period applicable for that state. If a party is listed on a refinance order that does not appear on the FVD, then the name(s) must be run for liens and judgments like any other owner.
  
  In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of. Where the subject property is located in an area where mineral conveyances and reservations are common, all such conveyances and reservations must be specifically excepted from the legal description.

• 2. Two Owner Search/Pre-Foreclosure Search

  A search that goes back to the two FVD and each deed in the chain that was recorded since the FVD must be reviewed to verify that the title passes to the current owner and two owners of record.

  The names of the grantees in the FVD's (current owner & two owners) and all subsequent title holders must be run for Mortgages/Deed of Trusts, general liens, such as judgments and federal tax liens for the full statutory period applicable for that state. If a party is listed on a refinance order that does not appear on the FVD, then the name(s) must be run for liens and judgments like any other owner.

  In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of. Where the subject property is located in an area where mineral conveyances and reservations are common, all such conveyances and reservations must be specifically excepted from the legal description.

• 3. Full Search (F/S)

  The length of search that is defined by state statute as the full applicable statutory period required for marketable title or the customary standard in the state where the property is located.

  The search should include all names in the chain of title and should report liens and judgments for all owners, current and past. The names must be run for general liens, such as judgments and federal tax liens, for the full statutory period applicable for the state. In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of. All necessary or customary ancillary searches applicable to the property type and location shall be performed and reported. Examples of ancillary searches include but are not limited to housing or building code enforcement, personal property tax, and municipal lien and traffic adjudication searches.

  All easements, covenants, conditions, and restrictions (CC&Rs) or related documents such as amendments, annexations, or restated CC&Rs posted to the subject property must be reported.

• 4. Bring Down/Date Down/Update Search

  Extension of a title search to verify that no liens have been filed against the subject property between the time of the original title search and the recording of the Security Instrument and or Mortgage/Deed of Trust. The taxes should be updated with present tax findings.

• 5. Deed Search

  Deed Search is checking the Full Value Deed to Start the Search, and to provide Chain of Title.

• 6. Legal and Vesting Report

  Provides the fully typed legal description of the property, vesting information and is accompanied by the recorded deed image.

• 7. Mortgage & Deed of Trust Search

  To Check Open Mortgages / Deed of Trust which is related to given property, and Additional Documents which include Assignment, Modification, Subordination, Substitution of Trustee, and upload the search docs in the file.

• 8. Tax Search

  We provide comprehensive solutions on real estate Tax information for insured and uninsured products with widespread coverage in the United States and quick turn times.

  There are two different sources to get the taxes information:

  Online: For Some States, we can access the Tax Information through County Tax Collectors online website (By using Netronline)

  Call: Calls are made to relevant County Assessors and Tax Collectors Office to get the taxes information.

• 9. Title Commitment

  A title commitment is a document that lists the details surrounding a property that is to be mortgaged. It lists the various requirements, exceptions, and exclusions related to issuing title insurance on a property. It also functions as a promise to issue title insurance on a property if all stipulations in Section B of the title commitment are met. A title commitment also lets the buyer know about a property's possible peculiarities, such as any right-of-way existing on the property or a third-party ruling body such as a condo association.

  A title commitment is an important document and needs to be mandatorily supplied to the buyer of the property. However, preparing it can be tedious and time-consuming, and it is often a good idea to receive support from reliable third-party firms while preparing it - especially if there are many such documents to be prepared regularly. We bring years of experience with providing services to the mortgage industry and can provide a range of support services that help you craft accurate title commitments.

• 10. Title Examination

  Title examination is a close examination of all public records that affect the title to the real estate you are purchasing. The search involves reviewing past deeds, wills, and trusts to make sure the title has passed correctly to each new owner. The examiner tries to verify that all prior mortgages, judgments, and other liens have been paid in full.

  Defective title refers to a title to real property which is invalid because a claimed prior holder of the title did not have title, or there is an inaccurate description of the property, or some other "cloud" over it, which may or may not be learned from reading the deed. To avoid a defective title problem, a purchaser will often research the chain of title