Title insurance protects property rights from title defects such as:

- The previous owner’s debt. For example, unpaid mortgages or property taxes.

- Claims of ownership or missing heirs.

- Loans against property. For example, child support.

It protects against past problems as well as any ownership disputes that may arise.

The agent will research the property for any defects and issue a protection plan. Two plans are issued: one protects the lender and the other protects the buyer. The agent settles existing liens and resolves any disputes if they are present.

Mutual Title will schedule dates for all parties to sign the documentation. If parties are out of state, we use various forms of communication to keep the process seamless.

The Loan Policy is effective for the life of the loan. The Owners Policy lasts as long as you retain interest in the property or remain liable for any warranties on the title.

A clean or clear title is important because the title is what gives you ownership of a property. The buyer selects the title company from which s/he wants to purchase title insurance.

The average cost of Owners Policy varies from state to state.

Generally speaking, it’s the use of a trusted “middle man” (title company, in this scenario) who handles money or other assets being transferred between two parties.

A deed is a legal document that records a transfer in ownership from one person to another and is filed with county records.

Any company that you are considering doing business with is worth doing some research. You have the right to choose which title company to use. See what our customers are saying.