FAQS
Frequently asked questions
Buying a home can be complicated, and there can be a lot of confusion as to what the next step might be. We are here to help! Take a look at the FAQs below and see if you can't find an answer to your question. If you need help with an issue not listed below, please feel free to give us a call!
What does title insurance protect you against?
There are many things title insurance protects you against, but some of the most common are:
- Fraud
- Forged deeds, releases or wills
- Misinterpretations of wills
- Deeds by minors or by persons of unsound mind
- Deeds by persons supposedly single, but in fact married
- Liens
- Unpaid taxes
- Unpaid inheritance
What is a title report?
A preliminary title report is prepared by the title company and discloses any information about easements, restrictions, ownership, and liens on the home.
Do I pay for title insurance monthly?
No. Title insurance, unlike other insurance policies, is not billed as a monthly premium. It's a one-time cost you pay at the time you purchase your home. The policy lasts for the time you and your heirs own the property.
What is a title?
A title is a right to ownership of specific real estate property. Included is the right of possession, right of exclusion, right of control, the right of enjoyment, and right of disposition. Titles can change hands through a will, court decree, law, or by selling the property. Any time a title is transferred it is recorded in a deed and filed with county recorder's office.
Why am I getting tax bills after I paid it in escrow?
Even if your taxes and insurance are rolled into your escrow account, you will continue to get a bill. We suggest getting confirmation that your escrow account has paid for the taxes and/or insurance.
Do you prepare legal documents/deeds?
Unfortunately, no. Check out our resources page to find a list of local companies who can draw these for you!
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