STEWART TITLE GUARANTY

and

OLD REPUBLIC

What is Title Insurance

 ~~Title Insurance Protects Your Investment ~~

 A home is usually your largest single investment. When you purchase a home, you purchase homeowner’s or hazard insurance to protect against loss from fire, theft or wind damage.

Title insurance protects against hidden title hazards that may threaten your financial investment in your home. You see, when purchasing a home, you are really purchasing the title to the property – the right to occupy and use the land and improvements.

 Other types of insurance focus on possible future events and charge an annual premium. Title insurance is purchased with a one-time premium and safeguards against loss from hazards and defects that already exist in the title.

 There are two basic kinds of title insurance: lender or mortgagee protection, and owner’s coverage. Most lenders require mortgagee title insurance as security for their investment in real estate. Owner’s title insurance lasts as long as you, the policyholder – or your heirs – has an interest in the insured property. The Owners policy premium you pay is based on your sales price. The Lenders policy is based on the amount of your loan. Your Owners policy is optional, and if you select to have an Owners policy in conjunction with a Lenders policy you will receive a simultaneous issue rate that is at a discount from the Lenders policy only.

 Contact us for an insurance quote

  We provide several forms of Searches.

Full Search - A full search consists of a full 45 year or three owner search, whichever is longest, of land and court records. You will receive copies of the vesting deeds in the chain of title, open mortgages, and easements found. All information will be compiled into an Informational Binder along with copies.

Three Owner Search - A three owner search will consist of a search of the past three owners. You will receive copies of the vesting deeds in the chain of title, open mortgages, and easements found. All information will be compiled into an Informational Binder along with copies.

Current Owner Search - A current owner search consists of a search of land and court records of the current owner of the property. You will receive copies of the vesting deed, open mortgages and easements found. All information will be compiled into a report along with copies.

Letter Report - A letter report is the same as a current owner search minus the copies.

Property Profile - A property profile is a service we provide to Realtors and Investors. This report is all of the information a Realtor might need to list the property or an investor might need to evaluate a property.

Contact us for our current price list

Closing and Disbursement - Closing is the final stage of the real estate transaction. We have a knowledgeable staff that will coordinate this final phase with you, your Realtor and lender. Once the closing is completed we will disburse the transaction and provide you with copies of all of your important documentation.

Witness Only Closing - When you can't be there for closing and you need a title company to witness your documents, we can help you. We will coordinate with your lender or title company and find a time that works for you. We will then send all of the signed and notarized documents to your title company and/or lender in time to finalize the transaction.

Contact us for a list of our closing fees