Owning property and having free control over that property involves more than just having a deed in hand. A deed does not guarantee you free and clear ownership. Other parties may have certain “rights” and “claims” to your property-rights whose existence you were never informed of, claims that may go back in time to the earliest owner of your newly acquired 40 year-old home.

Protect your property with the help of the professionals at Professional Title Services, Inc. who will search public records, maps and documents to insure your property, free of undisclosed liens, confusion in the rights of ownership and other loose ends.

What is Title Insurance?

Included in the cost of a title search is title insurance. Title insurance guarantees that no errors have been made in the public records. Title insurance also protects against undisclosed title defects, that no matter how thorough a search is made cannot be discovered from public records.

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Examples are:

• Forged signatures

• False impersonation

• Instruments executed under expired or revoked power of attorney’s

• Homestead rights of a spouse

• Undisclosed heirs

• Deeds by minors or persons of unsound mind

• Deeds by a corporation without proper legal authority

• Misrepresentation of marital status

• Errors of recording officials

• Fraud or duress in obtaining signatures
  
  What is the cost of a title search?
  The cost of a title search can vary among companies and depends on the sales price. The seller usually pays most of the fee although the buyer must pay for the Lender’s Loan Policy of the title insurance and the escrow fee. Contact Professional Title Services, Inc. for a quote.
  
  Letter Reports:
  Letter reports, like title insurance describe the property in detail, indicate owner’s name (s) and any limitations there are to the ownership of that property, but does not insure the condition of the property. 
  
  Verbal Reports:
  Verbal reports are exactly like what they sound. We provide FREE verbal reports on the condition of a specific property.
  
  Search and Holds:
  Search and holds are very brief typed reports of the condition of a property. They are FREE preliminary reports we provide to individuals interested in the status of a specific property.