Title Services
Full Search (F/S)
The length of search that is defined by state statute as the full applicable statutory period required for marketable title or the customary standard in the state where the property is located.
The search should include all names in the chain of title and should report liens and judgments for all owners, current and past. The names must be run for general liens, such as judgments and federal tax liens, for the full statutory period applicable for the state.
In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of.
All necessary or customary ancillary searches applicable to the property type and location shall be performed and reported. Examples of ancillary searches include but are not limited to housing or building code enforcement, personal property tax, and municipal lien and traffic adjudication searches.
All easements, covenants, conditions, and restrictions (CC&Rs) or related documents such as amendments, annexations, or restated CC&Rs posted to the subject property must be reported.
Limited/Streamline/One Owner Search (C/O)
A search that goes back to the FVD and each deed in the chain that was recorded since the FVD must be reviewed to verify that the title passes to the current owner of record.
The names of the grantees in the FVD and all subsequent title holders must be run for general liens, such as judgments and federal tax liens for the full statutory period applicable for that state. If a party is listed on a refinance order that does not appear on the FVD, then the name(s) must be run for liens and judgments like any other owner.
In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of. Where the subject property is located in an area where mineral conveyances and reservations are common, all such conveyances and reservations must be specifically expected from the legal description.
Two Owner Search (T/O)
A search that goes back to the two FVD and each deed in the chain that was recorded since the FVD must be reviewed to verify that the title passes to the current owner and two owner of record.
The names of the grantees in the FVD’s (current owner & two owner) and all subsequent title holders must be run for general liens, such as judgments and federal tax liens for the full statutory period applicable for that state. If a party is listed on a refinance order that does not appear on the FVD, then the name(s) must be run for liens and judgments like any other owner.
In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of. Where the subject property is located in an area where mineral conveyances and reservations are common, all such conveyances and reservations must be specifically expected from the legal description.
Bring Downs/Date Downs/Updates (U/D)
An additional title search to make sure nothing adverse has been recorded in the real estate records since the time of the original search and the recording of the deed or mortgage. The taxes should be updated with present tax findings.
Tax Research
- We provide comprehensive solutions on real estate Tax information for insured and uninsured products with a widespread coverage in the United States and quick turn times.
Judgment Searches
- To check if there is any Judgments against the borrower by using the Risk.Nexis.com and upload the search docs in the file.
Bankruptcy searches
- To check if there is any Bankruptcy filed against the borrower by using the PACER site and upload the search docs in the file.
Lien Clearance
- Verify if there are any closed lien showing on title and request for release/ Paid in full letter. Request judgment payoffs
Commitment Typing
- Type the Vesting, conveyance, mortgage, judgments/liens and taxes information into the Client Application as per the Abstract report and proof for any typos or mistakes to correct them.
Policy Production
- Policy production process generates Short Form, Long Form and Owner Policies in the client application. Information is extracted from the Policy Package (Title Prelim Report) and entered in the client application. Editing is done to the policy adding exceptions and endorsements as given in the Policy Package/Prelim report.
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