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Let us Handle All Your Texas Title Insurance Closing
Needs
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We are a Full Service Title and Escrow Agency.
What does this mean? |
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 We will explain
the title and closing process |
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Will hold any
escrows required for purchases |
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Explain all costs
and fees |
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Work with your
agent, lender and/or attorney |
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Provide you with
a fast and seamless closing |
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HOME BUYERS OR THOSE REFINANCING |
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Why Do I Need Title Insurance?
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Your home is probably going to be your biggest asset or investment,
therefore it must be protected.
Title insurance protects against:
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Any hidden title
defects |
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Forged documents
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Errors |
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Misrepresentation |
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Clouds on title
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Even though great efforts are practiced to insure your title is clear, sometimes
documents have not been filed properly. Circumstances like the ones listed
above could possibly jeopardize the equity you worked so hard for. This is
where you need the protection of Title Insurance.
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What Does A Title Agency Do?
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1. Title Insurance Agencies begin with a thorough title search through the public
records located at the county court house. The agency also performs an
unrecorded lien search to make sure that municipal taxes, water and sewer
fees are current.
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2. The agency then takes all their findings and creates a commitment which will
show ownership and easements filed of record, and will also show everything
that needs to be cleared and satisfied to insure a clear title.
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3. Once the commitment is prepared, the agency will order any payoffs
(such as mortgages, liens or judgments), receive copies of the borrower's
homeowner's insurance policy, and survey. If the borrower does not have
a survey, one will be ordered on their behalf, if the lender requires one.
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4. After everything is satisfied, we are ready to close. We will schedule a
closing time for the buyer to sign their documents. After all documents
are signed, the closing documents are submitted to the lender for funding
approval.
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5. Once all steps have been completed and all documents have been
recorded, the agency will then issue the title policy.
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