top of page
  • What is a Title?
    In real estate, title is an ownership right to property. It is the owner’s right to use, occupy, and possess the property.
  • ​What is a Title Search?
    A title search is a detailed review of public records concerning a property. The records include deeds, trusts, wills, mortgages, liens, declarations, restrictive covenants, and other documents. A title search includes examination of records at the registry of deeds in order to verify a sellers right to transfer ownership of property.
  • What is Title Insurance and why do I need it?
    Title Insurance protects owners from past events that can adversely affect their ownership interest in the property.
  • What type of issues can a Title Search reveal?
    A title search can reveal little defects such as undischarged mortgages, faulty deeds, tax liens, court judgments against sellers resulting in attachments on the property, encumbrances, restrictions limiting land use, and more.
  • What types of issues would not be revealed by a title search but would be covered by Title Insurance?
    There are hidden title dangers that even the most thorough title search would not reveal, but could still have an adverse effect on the ownership of your home. Here are just a few: • Lien for payment of contractors and material suppliers for unpaid improvements to property that may attach without being recorded •Improper or incorrect statement of marital status by previous owner resulting in claim by legal spouse •Deed by a manager of a corporation without authorization to convey •Forged or fraudulently executed title documents, like deeds, mortgages, partial releases and discharges •Failure of a seller to obtain zoning permits for renovations to the property
bottom of page