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ALTA’s Best Practices
We abide by the American Land Title Association’s (ALTA) best practices, which include the following:
Establish and maintain current License(s) as required to conduct the business of title insurance and settlement services.
Adopt and maintain appropriate written procedures and controls for Escrow Trust Accounts allowing for electronic verification of reconciliation.
Adopt and maintain a written privacy and information security program to protect Non-public Personal Information as required by local, state and federal law.
Adopt standard real estate settlement procedures and policies that help ensure compliance with Federal and State Consumer Financial Laws as applicable to the Settlement process.
Adopt and maintain written procedures related to title policy production, delivery, reporting and premium remittance
Maintain appropriate insurance and fidelity coverage.
Adopt and maintain written procedures for resolving consumer complaints.
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Together, we can offer you a streamlined and straightforward settlement process and result. All you have to do is reach out today to get us on your side.
Frequently Asked Questions
What Is Title Insurance?
For buyers and investors alike, title insurance is designed to protect them based on the unique history of any given property. This is to determine if there are any disputes or changes to the rights of the property, and to resolve them as needed or make them known.
How Does Title Insurance Work?
When you purchase or refinance a property, the title insurance process confirms that there are no relevant disputes over who has rights to the property. The result is peace of mind and a smooth transaction, both in the moment and in future.
Do I Need Title Insurance?
Title insurance is an immediate way to protect you — and your lender — from any potential pitfalls and to assure you of full control over your home or property. In that sense, it is necessary.
What Is A Title Search?
A title search involves a detailed examination of a property’s historical records. Deeds, court documents, and more more, all ways in which to verify the seller’s right to transfer said property to you as the new owner.
What Can A Title Search Reveal?
Some of the familiar terms that a title search may reveal involve defects, liens, and other encumbrances and restrictions. Things like unpaid taxes, unsatisfied mortgages, and judgements or restrictions on the very land itself.
Do You Need Title Insurance When Refinancing?
Yes. Even if nothing has changed about your ownership of the property, any time that you refinance you will need to seek out title insurance for both yourself and your lender.
How Do We Help?
The settlement process is a complex one. We conduct title searches, the title insurance process, and the relevant closing procedures to ensure a smooth closing process.
How Much Does It All Cost?
Working with the right settlement company can ensure you get an accurate quote for the full amount of services provided. Depending on your unique purchase, relevant costs may change.