Our Services
Title Search Services
Our Title Search team is designed to provide thorough and accurate property title investigations, ensuring that all your property transactions are secure and legally compliant. Our comprehensive search process includes verifying property ownership, checking for any open encumbrances, and reviewing legal documents to confirm the clear title of the property. By identifying potential issues early, we help you avoid legal complications and ensure a smooth transaction.
Current owner Search
A Current Owner Search is verifying the legal ownership of a property by the current owner. This search involves reviewing public records to confirm the present owner’s name, how they hold the title (e.g., joint tenancy, sole ownership), and any active liens, mortgages, or encumbrances attached to the property. The service ensures that the owner has the legal right to sell or transfer the property. It is often used during real estate transactions or refinancing to confirm the property’s current legal standing and ensure no undisclosed issues exist.
Full Search
A Full Search is a comprehensive investigation of the property's entire ownership history, from its initial transfer to the present owner. This service examines public records to identify all previous owners, any liens, encumbrances, easements, or legal issues that have affected the title throughout its history as per state statute of 30, 40 or 60 years. The full search provides a detailed account of the property's legal status, ensuring that there are no unresolved claims or hidden risks. It is often used for more thorough due diligence, especially in complex transactions or when a complete history of the property is required to guarantee a clear title.
Document Retrival
Document Retrieval is obtaining specific documents related to a property, such as deeds, mortgages, liens, or court judgments, from public and county records. This service is often used when a client needs copies of official records for legal, financial, or real estate transactions. The retrieved documents provide crucial information on the property's ownership history, encumbrances, or any legal disputes. Document retrieval ensures that all relevant paperwork is accessible and accurate, supporting a smooth property transfer or resolving any title issues. It is a vital part of due diligence in real estate and legal processes.
Two Owner Search
A Two Owner Search is researching the property’s ownership history, focusing on the two most recent owners who are out of family. This search reviews public records to verify the legal ownership and any title issues that may have occurred during the tenure of the current and previous owners. The goal is to verify if any unreleased liens, claims, or encumbrances that might affect the property. It is commonly used in real estate transactions to ensure a clean title before completing a purchase or refinance. By limiting the search to two owners, it provides a targeted review without delving into a full historical chain of title.
Update Search
An Update Search is a follow-up search conducted to update the status of a property’s title after an initial search has been completed. It typically focuses on any recent changes, such as new liens, judgments, or ownership updates that may have occurred since the last search. This service is often used shortly before a real estate closing or refinancing to ensure no new issues have arisen that could affect the transaction. It provides a current snapshot of the property's title status to ensure it remains clear for transfer.
AVR - Assignment Verification Report
Assignment Verification Report (AVR) is to verify that the chain of assignments for the subject mortgage does not have any breaks or defects which would require corrective or curative actions.
MVR – Mortgage Verification Report
Mortgage Verification Report (MVR) is to verify associated documents of the subject mortgage such as Assignments, Modifications, Substitute Trustee, Notice of Foreclosure, Lis Pendens, Judgment of Foreclosure, Subordination and Subordinate Mortgages.
COMMITMENT TYPING
Commitment Typing in title services refers to the process of preparing a title insurance commitment, which is a document outlining the terms under which a title insurance company agrees to issue a policy. This involves typing up the legal description of the property, listing the current owner, and noting any exceptions or requirements that need to be addressed before a policy is issued, such as outstanding liens or claims. The commitment serves as a preliminary agreement between the insurer and the parties involved in the transaction, indicating what needs to be cleared or resolved before finalizing the sale or refinance. It ensures transparency and helps identify any potential issues that could affect the title.
We have also integrated into Qualia which helps our customers to import the data which is entered, this provides our customers exceptional service, protecting their data security and privacy, and empowering your community through technology. We also have expertise in Resware, Softpro etc.
TAX SEARCH
A Tax Search in title services involves researching a property's tax history and status to determine whether there are any unpaid property taxes, tax liens, or assessments. This search ensures that all taxes have been paid up to date and identifies any outstanding tax obligations that could affect the title. It helps prevent unexpected financial liabilities for buyers or lenders during a real estate transaction. The tax search provides a clear view of the property's tax status, allowing parties to address any issues before closing to ensure a smooth transfer of ownership.
VENDOR MANAGEMENT
The process of overseeing and coordinating third-party vendors or service providers to ensure they meet the company's operational and quality standards. This includes selecting vendors, negotiating pricing, monitoring performance, and maintaining relationships to ensure timely and cost-effective delivery of services. In industries like real estate, title services, or insurance, vendor management ensures that services such as appraisals, inspections, or document retrieval are performed efficiently and in compliance with regulatory requirements. Effective vendor management helps maintain service quality, reduce costs, and improve overall business operations.
Title Curative
Title curative is a process that addresses defects in a property title, such as ambiguous or erroneous real estate documents, Land descriptions, Map and boundary disputes, Missing assignments, and Outstanding liens. The goal is to ensure that the title is clear enough for a title insurance company to underwrite a policy.
PAY OFF ORDERING and RELEASE REQUEST
Payoff ordering and Release Request is a process which obtains Payoff of the liens and encumbrances such as Mortgages, Judgments, UCC’s etc on property or borrower. We have a dedicated team who calls the Lien holders to obtain the payoffs with a good future through date to accommodate closing. The Releases or Temporary Lifting of the UCC’s, Releases for liens which are already paid off will be obtained by providing proper documentation to the lien holders.
HOA/HOI ORDERING
The process of obtaining and managing Homeowners Association (HOA) or Homeowners Insurance (HOI) documents or approvals. This is often required when servicing properties, ensuring compliance with HOA regulations or verifying insurance coverage for certain services or repairs. The ordering process ensures that any necessary documentation is in place before initiating work, allowing for smooth coordination and avoiding delays related to regulatory or insurance issues.
LIEN RELEASE/PAY OFF
A lien release or payoff quote is a document that details the amount needed to fully pay off a debt secured by a lien on a property or asset. It includes the outstanding principal, interest, and any additional fees or charges. Once this amount is paid, the lender will release their claim on the property, allowing it to be sold or transferred without any encumbrance. This quote is crucial for clear title transfer during property sales or refinancing.
Municipal Lien Search
We meticulously search for unrecorded Municipal Liens, Utility Violations, Code Violations, Special Assessments, and Permitting issues that may not appear in standard Title Searches.
Our team of experts will provide you with a detailed report, ensuring you have all the information you need to make informed decisions.
We understand the urgency in real estate transactions, so we ensure that our reports are delivered promptly and accurately.
We tailor our services to meet your specific needs, ensuring that all potential risks are thoroughly assessed.
Our dedicated support team is always available to assist you with any questions or concerns you may have throughout the process.
Benefits of Municipal Lien Search:
• Protect Your Investment:
o Uncover any hidden liabilities that could affect the value of your property.
• Ensure Compliance:
o Verify that the property complies with local municipal regulations and codes.
• Peace of Mind:
o Gain confidence in your real estate transactions with comprehensive and accurate information.
