It's a carefully honed process.

Upon receipt of your title order, we facilitate your request, input your data and order the relevant searches.

All transactions need to start with a county search. Using a host of resources and search tools, our team can produce any kind of municipal or county search needed for every transaction.

Using the data from all searches, our team will examine the searches and create title commitments to insure the title. In several states, the commitment is based on the attorney's title report. Delivery of title commitments can be done in several ways to accommodate your needs and software.

Our extensive network of national surveyors allows us to source the most competitive prices for both standard surveys and ALTA Surveys, ensuring cost-effectiveness without compromising quality.

Our team specializes in addressing any historical issues that arise on the title report, including old mortgages, liens, inaccurate descriptions, and title chain deficiencies. We conduct thorough investigations to determine the appropriate course of action.

Upon delivery of the title commitment and lender's instructions, owner and loan proforma policies can be worked upon to the satisfaction of all parties, drawing on our extensive experience with the industry underwriters.

Our team compares the proposed sellers' documents with the title commitment to verify that they are in insurable and recordable form for that state and county.

Depending on state laws and customs, our team can prepare settlement statements by obtaining all fees from attorneys, brokers, deposits, survey charges, HOA charges, title company, lender's fees, taxes, and any item required by the title commitment to be paid off at closing. We can also receive incoming funds and disburse all funds as per the final settlement statement.

In today's world, where the risk of fraud is ever-present, wire instructions must be independently verified. Our thorough confirmation process and custom-built verification software, Wired^™, ensures that only the correct wires are securely processed by our team

Most counties permit e-Recording, enabling our team to electronically record documents immediately after closing, often achieving same-day recording. For counties or documents that do not support e-Recording, we submit paper documents for traditional physical recording.

At an agreed-upon time after closing, our team follows up with the county to confirm that all required lien satisfactions, paid off at closing, have been properly recorded. If not, we promptly contact the lienholders to ensure they fulfill their obligation to record the release.

Using the title commitment markup or proforma policy provided, we prepare the final owner's and loan title policies. Each policy undergoes a thorough review to ensure accuracy and completeness before issuance.

Many checks issued at closing are not deposited promptly. Our team monitors these checks and follows up with the payee to ensure they are cashed in a timely manner.

Escrows are often held after closing for various reasons. Our team diligently tracks these escrows to determine the appropriate release timing and the rightful recipient.

To ensure compliance with State Department of Insurance regulations, rate guidelines, and lender requirements, a file may be audited post-closing. This audit checks for correct title premiums, accurate invoice line items, actual recording fees, timely disbursements, submitted recordings, and adherence to lender instructions.