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Title
Insurance – Protection You Need |
| Throughout the years, Equitable
Title Agency has grown in stature with a solid reputation for integrity
and standing the test of time. It is our business to use information to
protect real estate property buyers and lenders from problems that might
affect title ownership. Coverage is provided on residential and commercial
properties.
Title insurance is issued after a careful examination of copies of the
public records. But even the most thorough search cannot absolutely assure
that no title hazards are present, despite the knowledge and experience
of professional title examiners. In addition to matters shown by public
records, other title problems may exist that cannot be disclosed in a
search. |
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Searching the public records
will disclose:
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Title Insurance insures your right and 'title' to the property. It also protects you from hidden defects in title, such as:
CLICK HERE to complete our Request For
Title form. |
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| Why do you need title
insurance?
To protect possibly the most important investment you'll ever make - the investment in real estate. A lender goes to great lengths to minimize the risk of lending money for the purchase of real estate. First, credit is checked as an indication of the borrower's ability to repay the loan. Then, the lender seeks assurance that the quality of the title to the property to be acquired and which will be pledged as security for the loan is satisfactory. The lender does this by obtaining a loan policy of title insurance. The loan policy does not protect the borrower. The loan policy protects the lender against loss due to unknown title defects. It also protects the lender's interest from certain matters that may exist, but may not be known at the time of the sale. But, this policy only protects the lender's interest. It does not protect the borrower. That is why a real estate purchaser needs an owner's policy, which can be issued at the same time as the loan policy. |
| What is Title Insurance?
Title insurance insures your rights and title to the property you are purchasing. It insures that you have 'marketable' title, a title insurance commitment, and subsequently, a policy is issued to the borrower. Why do I need it? Generally, you need title insurance to guarantee to you that there are
no liens or encumbrances on the property you are purchasing. It insures
you against loss or damage from defects of title to the property or loss
of the property due to existing liens at the time of insuring. |
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To complete our Request For
Title form, please CLICK HERE. |
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