Order Title

When you would order a title search or report

• Real Estate Purchases: When buying a property, it is essential to order a title search or title report to ensure that the seller has a clear and marketable title to the property. This helps identify any liens, encumbrances, easements, or other issues that could affect the property's ownership.
• Mortgage Financing: Lenders generally require a title search or title report as part of the mortgage application process. They want to ensure that the property they are financing does not have any title defects or outstanding claims that could jeopardize their security interest.
• Title Insurance: Title insurance companies require a title search or title report to underwrite a title insurance policy. Title insurance protects the buyer and the lender against any unexpected defects in the title that may arise in the future.
• Property Refinancing: If you are refinancing your existing mortgage, the new lender will likely require a title search or title report to confirm the status of the property's title and to ensure their lien position.
• Property Development: Before beginning a construction project or property development, it's essential to conduct a title search or title report to identify any existing rights of way, easements, zoning restrictions, or other issues that could affect the development plans.
• Estate Planning and Probate: When settling an estate, heirs and beneficiaries may need to order a title search or title report to determine the ownership status of real property assets and to clear title issues before transferring or selling the property.
• Boundary Disputes: In cases of boundary disputes between neighboring property owners, a title search or title report can help determine the property boundaries and any recorded easements or encroachments.
• Property Sale by Owner: If you are selling a property as an owner (FSBO, For Sale By Owner), it's still advisable to order a title search or title report to ensure there are no unexpected title issues that could delay or complicate the sale.
• Due Diligence: Investors or real estate developers conducting due diligence on a potential real estate acquisition will often order a title search or title report to assess the property's title history and any potential risks associated with it.

In summary, ordering a title search or title report is typically needed whenever you are involved in a real estate transaction, whether you are buying, selling, refinancing, or developing property. It is a vital step to ensure that the property's title is clear and that there are no hidden issues that could lead to disputes or financial liabilities in the future.