TITLE SERVICES
A property title represents legal ownership of a specific real estate asset. While recording procedures differ by state, most jurisdictions require that every title transfer be officially recorded with the county recorder’s office to be considered legally valid. Before purchasing a property, it’s essential to verify that the seller holds a valid title. Title insurance companies can conduct this search for a fee, or you can visit the local county recorder’s office to perform the search yourself.
Our Title Search Services Include:
Current Owner Search
Identifies the current titleholder and captures details from the most recent deed. The search is conducted in reverse chronological order from the present date. This includes:
• Vesting deed
• Current tax status
• County assessment data
• Open mortgages
• Judgments and liens
• Legal property description
Commonly used for home equity origination, short sales, foreclosure auctions, and tax sale pre-checks.
Two Owner Search
Traces the title back through the last two property owners. Similar to the Current Owner Search, it includes:
• Vesting deeds
• Current tax and assessment data
• Open mortgages, liens, and legal descriptions
Typically used in home equity transactions and distressed property evaluations.
Full Title Search
A comprehensive search covering all owners in the chain of title. This includes:
• Complete title chain with vesting deeds
• Identification of all liens and judgments for current and past owners
• Reporting of any unresolved encumbrances, easements, CC&Rs and related legal documents
• Optional historical search of up to 50 years (available for an additional fee)
Update Search
Covers activity on the property title from the date of the last completed search to the present. Typically performed just before closing, the report includes any newly recorded documents.
Deed Search
Focuses on locating the deed that reflects the full value transfer and initiating a clear chain of title.
Mortgage & Deed of Trust Search
Reviews open mortgages or deeds of trust related to the property. Also captures associated documents such as:
• Assignments
• Modifications
• Subordinations
• Trustee substitutions
Judgment Search
Checks for judgments against the borrower using databases like LexisNexis. Supporting documents are uploaded with the results.
Lien Search
Identifies existing and satisfied liens, requests releases or proof of satisfaction, and seeks judgment payoff statements if applicable.
Bankruptcy Search
Searches for any bankruptcy filings related to the borrower using the PACER system, with relevant documentation provided.
Tax Status Report
Provides up-to-date tax information, including current status and any delinquencies. We utilize the Netronline platform to serve 36 states efficiently. Our services are often 50% more cost-effective than traditional title agencies and can deliver results within 24 hours.
What We Offer:
- Review and transcription of documents
- Tax status verification and report generation
- Preparation of commitment reports
- Document search and retrieval
- Title plant creation and upkeep
- Post-closing mortgage file audits
- Hazard policy tracking
- Market research and targeted mailing list generation
- UCC database search and maintenance
