Unlike traditional insurance which protects against future events, title insurance protects against claims for past occurrences. It ensures that the title to a piece of property is legitimate and then protects the owner and/or lender against lawsuits or claims against the property that result from disputes over the title.

A Lender's Policy only protects the bank's financial interest in the property. It does not protect your equity. If a title defect arises and you only have a Lender's Policy, you could lose your equity and the right to live in the home. An Owner's Policy protects you for as long as you or your heirs own the property.

An escrow account is a neutral holding place where funds and documents are kept secure by a third party (us) until all conditions of the real estate transaction are met. This protects both the buyer and seller, ensuring no money changes hands until the deed is officially recorded.

Typically, you will need to bring two forms of unexpired, government-issued photo identification (like a driver's license or passport), certified funds (via cashier's check or wire transfer receipt) for your closing costs and down payment, and any specific documents requested by your lender or our escrow officer.

A standard residential title search typically takes 24 to 72 hours, depending on the county and the complexity of the public records. Commercial properties or properties with extensive historical issues may take longer. We pride ourselves on executing these searches rapidly without sacrificing accuracy.