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Title Services
Are you searching for a title company, but do not know where to begin? Here are a few questions that you might want to ask:
- How many transactions does the company complete each year?
- Is the company adequately staffed to complete my transaction in a timely manner?
- How up-to-date is the company with current federal laws and requirements?
- You can also contact your local BBB, state insurance department or state title association to see if they are members or can provide you with any further information about the company.
Coldwell Banker Hometown Realty offers title services to all of the involve parties - buyers, sellers, lenders and real estate agents. Our job is to coordinate all parties, while transferring money and property during a closing. When using the services of a title company, this process eliminates any risks that there are any claims, assessments, errors, or miscellaneous defects on the title when you purchase the property.
Some of the services provided by Coldwell Banker Hometown Realty title company include:
Title Search – A title search looks at the records of the title to insure a clear, transferable title. We make sure that the title is free from liens, judgments and easements.
Lien Search – The search records any outstanding monies due on the title such as lease payments or second mortgages. These must be rectified before the title is cleared for ownership.
Title Insurance – This is a policy issued by a title insurance company protecting the property owner and your financial institution against any errors in the title search and any claims that should arise with the property. The buyer, the seller or both parties can pay for the cost of the title insurance policy.
There are (2) two different kinds of Title Insurance:
- Lender's Title Insurance – This type of policy protects the lender from any loss due to problems with the title. It also guarantees that the lender has the first valid lien against the title.
- Owner's Title Insurance – This type of policy protects the buyer from any errors that may surface after the sale of the property is complete. There are no annual premiums to pay and buyer pays for the policy when it is issued.
A seller may purchase a policy to insure that the buyer is receiving a clear title to protect the lender.
This type of policy is the only policy that will protect you from any kind of legal expenses from a resulting dispute.
If you have any questions, or would like more information about Coldwell Banker Hometown Realty title services, click here or call us at 574-936-3624 for more information.
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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 07/30/2010. The listing information on this page last changed on 07/30/2010. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of NCIAR MLS (last updated Thu 07/29/2010 1:40:19 PM EST). Real estate listings held by brokerage firms other than Coldwell Banker Hometown Realty may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --
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