Title services are the invisible foundation of a secure real estate transaction. Before you take ownership, a title professional performs a deep search of public records to ensure the seller has the legal right to transfer the property. They look for “clouds” on the title, such as unpaid taxes, old mortgages, or legal judgments that could jeopardize your ownership. This process is essential to ensure that when you receive the keys, the home is truly yours, free and clear.
Once the search is complete, title insurance is issued to protect you against any hidden defects that might emerge in the future. Even the most thorough search can miss ancient claims or forged signatures from decades ago. Title insurance stays with you for as long as you or your heirs own the property, providing permanent peace of mind and legal defense costs if your ownership is ever challenged.
