Just some facts!
Report Types:
Current Owner Searches
Three Owner Searches
40/60 Year Title Searches
Foreclosure Searches
Updates
Pre-Clear Title: We attempt to remove or clear any old lien or encumbrance that may no longer affect the title, prior to sending the report to the client. This includes common name judgments.
Resolution Support: When we report a title issue that results in our inability to insure, we provide you with clear direction (including underwriter assistance) for what will be required to clear it.
Payoff Assistance: Should you need assistance obtaining a payoff, our staff will gladly assist you. We have access to resources that may speed up the process.
Title Work Overview
Any type search, anywhere: We have been providing a complete line of high quality title products for residential and commercial lending in all 50 states since 1978. Foreclosure, loss mitigation, refinancing, second mortgage, HELOC, or purchase transactions; whatever your needs we have a product.
Coverage & Commitment: Coverage Area: We provide real estate title services in all 50 states, 36 of which we are a licensed title insurance agent and can issue insurance direct and have partner arrangements with our underwriters to provide policies in the other 16 states. States that require attorney certification, all of our work is certified and compliant with applicable state laws.
Service Level Commitment: All reports are completed within 24-48 hours of the order being placed (over 80% are completed within 24 hours).
GFE and Insurance Quotes: We can provide a "Preliminary GFE" (will include all of our anticipated fees) or a title insurance quote, prior to any order being placed. These figures can be used in your Loan Origination Program to complete your Good faith Estimate to the customer.
Report Binder: Every report that we issue will include a binder that contains specific information about the individual order. It can also include general information about the state and/or county the property is located in, general announcements, etc. should they be relevant. This binder is in addition to the commitment binder when applicable.
Limitations of Liability: Each report type has different limitations of liability coverage, which is clearly displayed on the binder that accompanies the report. It is important that you review this section on every report.
Order Requirements: We ask the client to provide us with 1) Names of the Record Owner(s), 2) the Complete Address of Property to be Searched, and 3) any additional information (non-private) that could be relevant to the order (how long they have lived in the property, who holds the mortgages, etc.).
SECURITY: We will NEVER ask you to provide ANY personal non-public information (social security number, financial information of any kind, etc.) on the order. This type of information may be needed in the future to clear a specific title issue, but will be requested using the appropriate secure method by an authorized representative of our company.
