TITLE & SETTLEMENT SOLUTIONS
We provide Full Title Searches (historical searches up to 50 years), two-owner
searches, and streamlined searches (Current owner, Legal & Vesting, Deed &
Mortgage) for refinance, residential, and commercial products. The turn time
varies from 8 hours to 24 hours.
Full Search
Limited/Streamline/One Owner Search C/O)
Two Owner
Deed Search
Bring Downs/Date Downs/Updates(U/D)
Tax Search
Mortgage & Deed of Trust Search
Judgment Searches
Bankruptcy searches
Lien Release Search (Clearance)
Full Search (F/S)
The length of search that is defined by state statute as the full applicable
statutory period required for marketable title or the customary standard in the
state where the property is located.
The search should include all names in the chain of title and should report liens
and judgments for all owners, current and past. The names must be run for
general liens, such as judgments and federal tax liens, for the full statutory
period applicable for the state.
In addition, all defects, liens, and encumbrances specifically referred to in the
documents revealed in the search must be reported as exceptions, unless
properly disposed of.
All necessary or customary ancillary searches applicable to the property type
and location shall be performed and reported. Examples of ancillary searches
include but are not limited to housing or building code enforcement, personal
property tax, and municipal lien and traffic adjudication searches.
All easements, covenants, conditions, and restrictions (CC&Rs) or related
documents such as amendments, annexations, or restated CC&Rs posted to
the subject property must be reported.
Limited/Streamline/One Owner Search C/O)
A search that goes back to the FVD and each deed in the chain that was
recorded since the FVD must be reviewed to verify that the title passes to the
current owner of record.
The names of the grantees in the FVD and all subsequent title holders must be
run for general liens, such as judgments and federal tax liens for the full
statutory period applicable for that state. If a party is listed on a refinance order
that does not appear on the FVD, then the name(s) must be run for liens and
judgments like any other owner.
In addition, all defects, liens, and encumbrances specifically referred to in the
documents revealed in the search must be reported as exceptions, unless
properly disposed of. Where the subject property is located in an area where
mineral conveyances and reservations are common, all such conveyances and
reservations must be specifically excepted from the legal description.
Two Owner Search (T/O)
A search that goes back to the two FVD and each deed in the chain that was
recorded since the FVD must be reviewed to verify that the title passes to the
current owner and two owners of record.
The names of the grantees in the FVD's (current owner & two owners) and all
subsequent title holders must be run for general liens, such as judgments and
federal tax liens for the full statutory period applicable for that state. If a party
is listed on a refinance order that does not appear on the FVD, then the name(s)
must be run for liens and judgments like any other owner.
In addition, all defects, liens, and encumbrances specifically referred to in the
documents revealed in the search must be reported as exceptions, unless
properly disposed of. Where the subject property is located in an area where
mineral conveyances and reservations are common, all such conveyances and
reservations must be specifically excepted from the legal description.
Bring Downs/Date Downs/Updates(U/D)
An extension of a title search to verify that no liens have been filed against the
subject property between the time of the original title search and the recording
of the Security Instrument and/or Mortgage/Deed of Trust. The taxes should be
updated with present tax findings.
Deed Search
To Check the Full Value Deed to Start the Search, and to provide Chain of Title.
Tax Research
We provide comprehensive solutions on real estate Tax information for insured
and uninsured products with widespread coverage in the United States and
quick turn times.
Mortgage & Deed of Trust
To Check Open Mortgages / Deed of Trust which is related to given property,
and Additional Document which include Assignment, Modification,
Subordination, Substitution of Trustee, and upload the search docs in the file.
Judgment Searches
To check if there are any Judgments against the borrower by using the
[Link] and upload the search docs in the file.
Bankruptcy searches
To check if there is any Bankruptcy filed against the borrower by using the
PACER site and uploading the search docs in the file.
Lien Release Search (Clearance)
Verify if there are any closed liens showing on title and request for release/
Paid in full letter. Request judgment payoffs.
Reports
Title Report /Legal & Vesting Report/Abstract Report/Property Report
Title Commitment Preparation
Preliminary Title Report
Final Policy Production
Document search and retrieval
Tax status search and typing
Title Report /Legal & Vesting Report/Abstract Report/Property Report
Report preparation, including Owners and Encumbrance, Foreclosure,
Legal/Vesting, tax, lien, judgments, etc., Experienced staff reviews abstractor
notes and attached documents to verify the chain of title, name and legal
description consistency, and document legibility. Problems are escalated to the
abstractor for correction. Data is accurately typed via online systems or
proprietary formats.
We have developed a high level of expertise in analyzing the Title Search
Reports and preparing a Title Commitment or an Abstract Report. We offer this
service in combination with Title Search or Title Examination, or as an individual
product where we receive a search package along with a write-up as an input.
The turn time varies from 2 hours to 24 hours.
Review the Search Package/Write-up and capture relevant information on
Schedule A, Schedule B Exceptions, and Schedule B Requirements
For Insured products, a Title Commitment is prepared, and for uninsured
products we prepare a detailed abstract report/legal and vesting/property report
We prepare the commitment in your system or we can prepare it in our
e-Title Express ™ system and provide you with the final product in
any file format as required by you
Title commitment Preparation
We can prepare commitments overnight to have them ready before next day.
We have the ability to produce commitments for clients using, Softpro. This
includes typing the vesting, conveyance, mortgage, judgments/liens and taxes
information into the software as per the Abstract report and proofing for any
mistakes to correct them.
Final Policy Production
The Final Title Policy is a key component in a mortgage transaction. It provides
security to the lender and owners and allows for the fulfillment of a real estate
transaction. Policy production process generates Short Form, Long Form and
Owner Policies in the client application. Information is extracted from the Policy
Package (Title Prelim Report) and entered in the client application. Editing is
done to the policy adding exceptions and endorsements as given in the Policy
Package/Prelim report.
Preliminary Title Report
Our reviews and validates title chain documents such as Deeds, Subordination,
Notices, Assignments, etc. We also validate name search documents such as
Abstract Judgments and State Tax Liens, and make corrections as required.
Any exceptions are reported to the client.
Document retrieval
Online search for new recorded documents, releases, assignments, tax
payments, etc., to support your abstract and review. Confirm document
recording or monitor updates, including tax payments, delinquent sales.
Tax search and typing
Online search, phone calls, and fax/mail to tax jurisdictions for assessment data
and current/delinquent tax status, tax sales, parcel changes, verify addresses,
or send your search documents for fast and accurate typing.