Life Of a Title Search
Looking into the history.
A Detailed Search
A title search is an examination of public records to determine and confirm a property's legal ownership, and find out what claims are on the property.
A title search is usually performed by a title company, often on behalf of a prospective buyer who may be interested in making an offer on the property. The process may also be initiated by a lender or other entity that wants to verify ownership of the property and determine what claims or judgments against the property may exist before approving a loan or other credit that uses that property as collateral.
Here is a basic overview of the title search process.
Customer Service verifies legal property description & how title to real property is held
See below for the next step in the process.
Preliminary order & title search are opened
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Preliminary search of real property is done
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Title search examines real property records, general index records & tax records
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Examiner reviews complete search package & writes preliminary report
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Data processor enters preliminary title information into computer & prepares preliminary report
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Messenger service delivers prelims to escrow & lenders
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New documents, demands & statement of information submitted to title company
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Escrow authorizes recording of new documents in the transaction
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Documents are recorded, confirmation of recording is received & liens of record are paid off
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Title officer writes title policies
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Data processor prepares final title policies
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Title policies released to client
The title search process is complete.
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