Residential

Homeowner Services

• Title insurance
• Closing services
• Escrow services

Title Insurance Services

As a homeowner, title Insurance will protect you against:

• Liens on your property
• Mistakes on title and examining records
• Errors on deeds, mortgages, and public records
• Conflicting wills
• Unpaid taxes

Additional coverages are available with extended policies.

Having title insurance safeguards ownership of your property, which is your most significant investment. At Estates Title, we guarantee against disputes that could prevent you from enjoying your home.

When you purchase a home, you’re given the deed to your property and receive full legal ownership of that property. At Estates Title Agency, it is our job to see that your investment is secure.

Title insurance can save you money, time, and stress from any legal issues. Sometimes there are mistakes in a prior deed, will, or mortgage that may cause a problem for you. Title insurance guarantees that there have not been any title problems prior to the time a policy holder takes the title.

If you do not choose to purchase title insurance, you are accepting the seller’s word that there are no problems with the property. That means there are no ownership disputes, encroachments, unpaid taxes, or any other issues.

Closing Services

Whether purchasing a new home or refinancing your existing home, our staff understands buying and selling a home can be stressful. Our experience and knowledge will provide you with a smooth transition.

We will be in contact with you during every step of the closing process. Be sure to review the following list and ask questions if you are unfamiliar with any part of the process.

• Review title commitment information
• Coordinate clearing of title problems
• Order pay-off information for existing liens
• Prepare settlement statement showing disposition of all funds
• Prepare closing documents
• Receive and review lender's closing instructions and documents
• Schedule closing, informing all parties of date, time, and place
• Conduct the closing of the new mortgage transaction for the lender (if applicable)
• Conduct the closing with both buyers and sellers if the transaction is cash, assumption, or contract for deed transaction
• Disburse all funds including funds in escrow subsequent to closing
• Assure all applicable documents are recorded with county records office