At Beaches Title Services, we specialize in providing our clients with everything they need to ensure a smooth and efficient closing.
We obtain a title search and examine the legal status of your property. Next, we prepare a title commitment that states the legal owner of the property and lists any outstanding liens, encumbrances, or any defects which might affect the title of the property.
This information is very important to you and will be used as a guideline to ensure that clear title is conveyed at the time of closing. Then once the transaction is completed, we issue a final title insurance policy. This policy ensures the owner’s clear title to the property as of the date of closing. Separate policies are written to protect both the interests of the property owner and the lender’s mortgage.
During the title review process, we are proficient at clearing any outstanding tile issues that could cause problems with your closing. There are many factors that could affect the closing process and complicate the completion of your Sale or Purchase. Beaches Title Services has the necessary knowledge and experience to make sure that your real estate transaction proceeds as smoothly as possible and all issues are resolved prior to closing. We do our best to ensure a stress free closing for all parties involved.
A title search is a thorough examination of property records. Title searches are done to make sure that the person or company claiming to own the property does have legal ownership. During the title search, the underwriter also verifies any outstanding mortgages, liens, judgments, assessments or unpaid taxes associated with the property. The search will also reflect any restrictions, easements, leases or other issues that affect the property.
An "escrow" is an arrangement in which an escrow agent, holds legal documents and funds on behalf of a buyer and seller and distributes them according to the buyer's and seller's instructions.
Beaches Title Services can act as an escrow agent when that service is needed in connection with the sale/purchase transaction. We can securely hold deeds, funds, and other important legal documents on behalf of the buyer and seller. Our escrow officers are experienced and trained in these real estate procedures.
Beaches Title Services has the capability to prepare and assist you with all the necessary documents for any type of transaction related to the real estate industry. If an attorney is needed to draft specific legal documents, we have access to legal counsel. Our staff can prepare all closing documents in connections with the transaction.