What is Title Insurance?

Title Insurance Protects

Title insurance is a crucial part of the real estate transaction process that often confuses home buyers. Essentially it is indemnity insurance, to protect against financial loss from defects in title to property as well as from the invalidity or unenforceability of mortgage liens. In short, is an insurance product sold to protect the home buyer or a lender’s interest in property purchase against unforeseeable loss due to defects or other matters.

Title insurance protects against lawsuits against the title or reimburse the monetary loss incurred. 

Prior to purchasing your home, the property may have been through changes in ownership. If there are any weak links along that chain of ownership, such as an older signature having been forged on a title document, the title insurance protects you against any claims that might be leveled against the property you’re purchasing.

Title insurance is typically required by all mortgage lenders, which helps protect the investment they make in the form of the home loan, and it lasts through the entirety of the loan itself.

Our Services

  • Purchase and/or sale of residential or commercial property
  • Refinancing of residential or commercial property
  • Construction Loans
  • Equity Lines of Credit
  • Title Searches and Reports
  • Title Opinions
  • For Sale by Owner (“FSBO”)
  • Sale of Distressed Property (foreclosures, short sales, and bank-owned property - REOs)