Foundation Title

The title agent or title examiner reviews the search results to identify any defects, clouds on the title, or unresolved issues that need to be addressed before closing. Common issues include unreleased mortgages, conflicting ownership claims, or easements not properly recorded.

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Forgery and Fraud: In some cases, a prior deed could have been forged, or there may have been fraudulent claims on the property. This can seriously cloud the title.

Deeds: Confirm ownership and legal description of the property. Mortgages and Liens: Check for outstanding mortgages, tax liens, mechanic's liens, or other encumbrances. Judgments: Identify any court judgments against current or previous owners that could affect the property. Easements and Restrictions: Review easements, rights-of-way, or restrictions that may impact the property's use. Tax Records: Verify that property taxes are paid and current.

Undisclosed Heirs: If a prior owner passed away, unresolved inheritance claims can emerge if the property wasn’t properly probated. This might occur if distant relatives or undisclosed heirs come forward to claim ownership.

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Behind every smooth closing is a deep dive into decades of history! ??? Title agents work with expert searchers to examine public records—deeds, liens, judgments, and more—ensuring a clear path to homeownership. ???? #TitleSearch #ClearToClose The title agent orders a title search from a title searcher or abstractor, who examines public records related to the property. This includes deeds, mortgages, liens, judgments, easements, and tax records. The search typically covers a 60-year chain of title to verify ownership history and identify any claims or defects.

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Errors in Public Records: Administrative errors in deeds or public records can cloud the title. These can range from misspelled names to incorrect legal descriptions of the property.

Chain of Title Issues: This involves gaps or errors in the property’s ownership history, which can result in unclear ownership or contested ownership claims.