A title search is the process of determining ownership status for a particular piece of property. It aims to identify whether the property has a clear title or if there are any encumbrances, such as liens or defects, including errors in public records, which might hinder its transfer between parties. A title search conducted by a title company or an attorney representing a potential buyer helps to alleviate future problems. A title search may also be initiated by a lender or another entity seeking to verify property ownership to assess potential claims or judgments against the property. The ..read more

You've decided to refinance your home loan due to lower interest rates, a move that could potentially save you a significant amount of money over the loan's duration. However, along with the benefits of a lower rate, it's important to understand that typical closing costs associated with any new loan will apply, including service fees, and title insurance protection, among other expenses. It is likely that you will need  to purchase a new Loan policy for a refinanced loan amount in order to protect the lender. To a lender, a refinance loan is no different from any other home loan, and ..read more

All title insurance companies offer a standard ,,title insurance policy to protect the buyer from specific incidents that may impact the property’s ownership rights. The title policy is typically secured before finalizing a home purchase and paid for as part of the closing costs at the settlement table.   A standard title policy provides coverage if discrepancies in publicly available records  jeopardize legal property ownership.However, it's crucial to acknowledge that various errors and unforeseen situations may still threaten property rights even after the purchase or mortga ..read more

Embarking on the exciting journey of acquiring a home marks a significant life milestone, and safeguarding your investment becomes paramount. Whether you're making a cash purchase or securing a loan, obtaining title insurance is a crucial step in ensuring the lasting protection of your property. While title insurance guards against hidden or unknown issues from the past, please don't confuse it with homeowner’s insurance. Understanding the distinct financial implications of these two types of insurance is vital for homeowners. It's critical to understand the differences in order to make well ..read more

All title insurance companies offer the option of a standard title insurance policy. Typically secured before the finalization of a home purchase, this insurance safeguards the buyer from specific incidents that could jeopardize the property's ownership rights. For instance, if discrepancies in publicly-available records threaten legal property ownership, title insurance protects against such potential hazards. However, it's crucial to acknowledge that various errors and unforeseen situations may still threaten your property rights, even after the purchase or mortgage acquisition. The primary ..read more

Purchasing a new home is among life's most satisfying achievements. Ensuring the security of your property ownership rights can be equally fulfilling. While on the journey to acquiring your dream home, you'll come across two words that may not have previously held much significance for you – ,title insurance. Like other aspects of the home-buying process, understanding title insurance can be complex. To add to the complexity, there are often misconceptions surrounding this topic that can prevent home buyers from realizing its significance. To provide you with a clearer understanding of what t ..read more

Acquiring a residence has the potential to be one of life's most thrilling endeavors, and ensuring the safeguarding of your newfound investment should be a primary consideration. Whether you're making a cash purchase or opting for a loan, it is highly advisable to secure both homeowner’s insurance and ,title insurance to ensure the enduring protection of your home. Yet, what sets homeowner’s insurance apart from title insurance? And why is it imperative to have both types of coverage? Homeowner’s insurance offers protection against potential future events that affect your home, its contents a ..read more

Cybersecurity safeguards networks, data, and devices against unauthorized access or unlawful usage. The provision of cybersecurity services involves the prevention and detection of cyber threats and the response to cyber attacks. The U.S. Cybersecurity & Infrastructure Security Agency (CISA) characterizes cybersecurity as a skillful practice that holds. Given the ever-evolving nature of new cybersecurity risks, cybersecurity must consistently stay ahead of cyber criminals and their malicious activities. Currently, nearly all business operations occur online, necessitating comprehensive cy ..read more

Title insurance is essential when purchasing a property as it insures against many ownership issues identified by a thorough real estate record search. A title company examines public records to establish ownership status and property rights and determines the title's insurability. Despite the expertise of professionals, certain risks like filing errors, forgeries, and undisclosed heirs are challenging to detect and may remain after you purchase. To mitigate problems, title insurance was developed to offer an owner and lender a policy to help reduce ownership risk. Lenders require a loan poli ..read more

Buying a title insurance policy is a really big deal when buying a piece of real estate. So, if you are on the search for your new property and are not familiar with what title insurance is, now is probably a good time to get to know more about it. When you buy your home, you will be presented with an opportunity to purchase an owner’s title insurance policy. While it provides you with a layer of protection homeowners want, it doesn’t protect you from everything. Let’s take a look at what title insurance covers and what title insurance does NOT cover. Understanding Title Insurance ,Title insu ..read more