Title Search

We provide Full Title Searches (historical searches up to 40 years), two-owner searches, and streamlined searches (Current owner, Legal & Vesting, Deed & Mortgage) for refinance, residential, and commercial products.​

Full Title Search

  • Detailed full title search on current and previous owners, done for Sale/Resale transactions and for transactions that involve construction loans for insured products.
  • Includes searches related to property lien, easements, CC&Rs – covenants, conditions and restrictions, agreements, and resolutions and ordinances that affect real property.
  • We also do historical searches up to 50 years for additional pricing​.

Current owner/Two-Owner Search

  • Current owner search involve searching for the details of the present title holder of the subject property and the latest deed with consideration.
  • Two-Owner title search is for the last two owners in the chain of title of the subject property.
  • Search done by searching from the current date backwards.
  • Details like Vesting Deed, Current Tax status, county assessment information, open mortgages, judgments, liens, and legal description will be captured.
  • This search is usually done for origination of Home Equity transactions, short sale, foreclosure auctions, and pre-tax auctions.

​Title Examination

  • We can examine all financial and legal aspects associated with the property from the appropriate public records. A thorough check is done regarding taxes, any litigation issues, liens or other claims and a report is prepared based on the findings.
  • The Examination procedure involves reviewing past deeds, wills, and trusts to make sure the title has passed correctly to each new owner.
  • Verify that all prior mortgages, judgments, and other liens have been paid in full.
  • Verify the validity and authentication of all the relevant documents.
  • Prepare a detailed write-up providing the list of exceptions and requirements. The examiners also provide codes for the typists for preparing the Commitment or Title Reports.

Examination QC

  • The search package.
  • The Property Index, General Index.
  • Review of chain of title to ensure no break in chain.
  • All documents have proper authentication and validity.
  • The exceptions and requirements prepared by the examiner​

Legal and Vesting search

  • This search is conducted by pulling all relevant deed documents and identifying the latest vesting deed.
  • Details like property address parcel number, owner’s name, legal description, and tax information are captured and a report is prepared with these details.

Title Commitment

  • After the title search, we can help you to prepare a draft of the initial title commitment that will set out the terms and conditions for title insurance of the property under consideration.