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Frequently Asked Questions about Title Insurance…

What is a title examination, or title search?
Title examination is the most important phase of a real estate transaction. The examination determines whether the title is marketable. It informs the Purchaser and the Lender if the property being conveyed is free and clear of any liens, encumbrances or judgments that may have arisen during prior ownership. It’s a close examination of all public records that involve title (deed) to a piece of real estate. The person conducting the search looks at past deeds, wills, and trusts to make sure the title has passed correctly to each new owner. The examiner tries to verify that all prior mortgages, judgments, and other liens have been paid in full. Read the rest of this entry

Refinancing? Yes…..you need Title Insurance

Refinancing?
Yes…..you need Title Insurance

So, I have often been asked the question……why do I have to pay for title insurance again? I thought I was told it is one-time fee for the life of the ownership of the home? Read the rest of this entry