Title Basics
The Title Process Assures Your Property Is Free of Encumbrances

A search of official records for information that can affect ownership to a property is necessary each time a property changes hands. This “title search” and resulting report is especially critical to a lender who is contemplating providing a mortgage for the purchase of the property. The lender, like the homebuyer, wants assurance that the property is free and clear of encumbrances, such as mortgages, judgments or liens, and that the seller has full rights to sell the property.
 
Click on the links to the right to learn more about title insurance, the title search process, the types of policies available and what those policies cover. We also invite you to access the real estate dictionary to learn more about the terms you will encounter in the buying and selling of real estate.