our services

We offer an extensive list of services for all of your real estate closing needs. Learn more about the services that are right for you.

title insurance

Protects homeowners and lenders against financial loss due to defects in the title of a property.

closing & escrow

Escrow is the process where a neutral third party holds funds and documents until all conditions of a sale are met.

Closing is the final step where ownership of the property is transferred, and funds are disbursed according to the agreement.

Essentially, escrow is the mechanism that facilitates the closing.

underwriting

A fundamental process in the financial industry where an individual or institution assesses and assumes another party's risk in various financial arrangements, such as loans, insurance policies, or investment securities, in exchange for a fee.

construction loan disbursement & inspections

Ensure that funds are released to a builder in stages as construction progresses, protecting the lender's investment and preventing potential mechanic's liens.

The title company acts as a neutral third party, verifying the completion of work before authorizing each disbursement.

This process involves reviewing draw requests, inspection reports, and lien waivers to confirm that the contractor has fulfilled their obligations and that the project is on track.

letter (title) reports

To provide a summary of a property's ownership history and any existing encumbrances, such as liens or mortgages, that could affect the title.

These reports are essentially snapshots of a property's title condition at a specific point in time, offering a concise overview for various purposes, including buying, selling, or estate planning.

abstracts

A historical summary of a property's ownership and other legal matters, like liens and easements, documented in public records.

It serves as a crucial document for real estate transactions, helping to identify any potential issues with the title before a sale is finalized.

Essentially, it's a detailed history of the property's title, compiled from various public sources.

refinancing

Refinancing a mortgage means handling the legal and administrative tasks associated with replacing a borrower's existing mortgage with a new one.

This includes conducting a title search to ensure there are no existing liens or other issues with the property's title, coordinating with the lender and borrower, and handling the disbursement of funds.

default services

Managing the complexities of properties where homeowners are behind on mortgage payments or facing foreclosure.

These services are crucial for lenders and investors to minimize potential losses. Default services include a range of processes, from title searches and curative work to managing foreclosure proceedings and even handling REO (Real Estate Owned) properties.

1031 exchange

Also known as a like-kind exchange, is a real estate transaction where investors can defer capital gains taxes on the sale of an investment property by reinvesting the proceeds into another "like-kind" property.

For a title company, a 1031 exchange involves facilitating the transfer of ownership for both the relinquished and replacement properties, ensuring all legal and regulatory requirements are met.

resolution of title issues

Resolution of title issues for a title company involves identifying and resolving any legal claims or defects affecting a property's ownership before a real estate transaction can be finalized.

This process ensures the buyer receives a clear and marketable title, free from encumbrances like liens, disputes, or errors in public records.

notary public

A professional who serves as an impartial witness, verifying the identity of individuals signing legal documents related to real estate transactions.

They ensure that all parties involved in the transfer of property ownership have properly signed the necessary documents, preventing fraud and ensuring a smooth closing process.

"Closed on our house here, they were great to work with! Everything was organized, explained well and moved along quickly." -- J. Lex