Whether you are selling or buying a home, refinancing your current home, or beginning a remodel or new construction project, look no further than Hometown Title, Inc., for all your title insurance needs. We offer a full range of title-related services to help protect your interest in and rights to your real estate – residential or commercial.
Available in two types of policy — the owner’s policy and the loan/mortgage policy — title insurance protects against title defects or encumbrances that were created in the past, such as unreleased mortgages, judgment or municipal liens, unpaid property taxes, easements, questionable chains of title, or proceedings affecting the land.
Simpler than a full title search completed for a policy, the lien search only looks for liens — or legal claims for an unpaid debt — against a person and/or a property from a specific time forward. Mechanic’s, judgment, and tax liens are the most common types of lien.
Often considered the conclusion of the sale process, closings bring all parties together to dot their i’s and cross their t’s. Even before that, a closing agent works closely with the buyers, sellers, lenders, and agents to resolve any outstanding issues, produce an accurate closing statement, and help ensure a smooth and timely completion of the transaction.
From a one-room remodel to all-new construction, proper management of payouts to contractors, including acquisition of signed lien waivers, is vital to maintaining clear title on a property.