What’s In a Title Report?

Last we we talked about who title insurance was for. It provided a pretty quick & accurate representation of what we do, and when it’s applicable – riveting reading for those of us in this line of work.

If you didn’t get a chance to read it – head on over here. You’ll like it. We talked about quick basics like – what our company does for you, and why that matters in the overall home-buying process. We’ve got a pretty important role.

So now that you know that yes, you really SHOULD have Title Insurance, let’s talk about what happens after you place an order (which you can do here, you know.)

To make things a little more interesting, let’s set this up as a ‘what-if.’

What if you spent a what seems like a lifetime outlining all the must-haves and the would-be-nice-ifs and the can-you-only-imagines of the home you’d like to buy.

What if you spent weeks – or months – working with a top-notch Realtor to find that perfect house.

What if you did? You found it, and your offer was accepted, and it was an absolute dream come true. You set a closing date, and start gathering packing boxes.

What if you get notification that your new dream house has a clouded title.

WHAT THEN? Most people would have no idea what to do if they discovered that the house that they want to buy – and that the sellers presumably wish to sale – isn’t free and clear to be sold.

That’s where we come in. We provide the Title Insurance to guarantee that no title-related surprises arise that would hinder you from calling that new house your home.

And we start with the Title Report. 

Our Title Professionals run a thorough search of your potential property’s title history. We’ll find information such as:

  • a real estate description
  • zoning configurations
  • tax rates
  • a thorough and detailed history of the property’s ownership and any previous title holders.

We also search for encumbrances, which is a fancy word for such as:

  • liens,
  • existing mortgages
  • overdue taxes
  • property boundary disputes

It’s a really useful thing to know – and we make sure that you have all relevant information. It’s like real estate genealogy. We do all this research prior to issuing title insurance, in order to make sure that you walk into that closing with confidence. We’re all about peace of mind.