We examine the public records for the subjected property, an essential source of information required while issuing a Title Policy, Foreclosure Auction, Refinance or Re-sale.
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Current / Two Owner Search
Current Chain of Title
All open Mortgages / Deed of Trust
Assignment, Modification and subordinations
Liens, Judgments, Bankruptcy and Open encumbrances, Uniform Commercial Code and Surrogate / Upper court
Property Tax Certificate / Tax status and assessments
Delinquent, Tax Sale and Supplemental Tax
Assessed Property Value by Tax Assessor’s / County Assessor's office
Legal Description and Maps
30 / 60 Year Search
All transfer of deeds from current to 60 years of search
All open Mortgages / Deed of Trust
Assignment, Modification, and subordinations
Liens, Judgments and Open encumbrances
Bankruptcy, Uniform Commercial Code and Surrogate / Upper court
Property Tax status and assessments
Assessed Property Value by County Assessor’s, Legal Description and Maps
Title Examinations
We verify the real estate transaction for the property being purchased is suitable for sale and report any encumbrances on the property which may impact the transaction:
Unpaid tax liens
Restrictions placed on the property
Incomplete chain of title
Judgments
- Preliminary /Commitment Reports
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We extract the examining search package from the application and key the property information like vesting, legal description, taxes & mortgages, liens & judgements, CC &R, and easements to create commitment reports
- Full Search for Sale and Refinance
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Full search reports along with typed commitments report also includes taxes, vesting, encumbrances, easements and bankruptcy, and other variables
- Legal & Vesting Report
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Our title searchers perform a search to spot the most recent conveyance document and key the legal description and current title holder details in whichever form our clients require.
- Deed & Mortgage Report
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Identifies the chain of title along with any open encumbrances then creates a search package by preparing all applicable Property Indexes in chronological order. Keyed in whichever form our clients require.
- Title Report
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Owner & Encumbrance reports and Guarantees
- Liens & Judgment Search
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Perform a search on a property and the current owners using various data sources. Create search packages by preparing all applicable Property Index and General (name search) Index documents in chronological order and upload them to Title Management
- Update Search / Date down
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Identifying and retrieving all property related transactions, open liens & judgments on the current owner from the previous Search effective date and amend the commitment report
- TSG – Trustees Sale Guarantee
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Performing search on property, borrowers of foreclosure deeds of trust, and current owners of property using various data sources and then creating search packages by preparing all applicable Property Index and General (name search) Index documents in chronological order
- REO Search Report
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Services shall include a property search for the properties that are or will be foreclosed and this search is generally performed on two owners or a standard 20 years from current plant date. A 30 year search is also available on request. Search for Property Index (PI) on the subject property in Public records (Title Plant or URL) to identify the property related documents (Deed, DOTs, Affidavit, and miscellaneous documents) that affect the property in question. The processor shall also run a General Index (GI) to identify all the open liens and judgments recorded.
- Title Policy Preparation
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Recorded Deed/ Mortgage & DOT Document to verify the liability & premium amount with the rate calculator post which capture all the Schedule A, Exceptions for both the Lender and Owner and Endorsement information (Lender only). As a final step, the Owner & / or Lender Policy will be generated.
- Long Legal Keying
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Provides a typed Legal in a title production system or form based platforms, i.e. word document
