Protect the Most Important Investment You’ll Ever Make
Did you know that a lender goes to great lengths to minimize their risk in lending a borrower money to refinance or purchase a home? Not only do they check the credit scores of the buyer, but they also make sure that their lien and lien position as to the property, is satisfactory. The lender does this by obtaining a lender’s policy of title insurance.
However, a Lender’s Policy only protects the lender’s interest; it does not protect you! This is why you need an owner’s policy, which can be issued at the same time as the lender’s policy for a one-time nominal fee.
Even though a thorough examination of public records is conducted before title insurance is issued, there is always the danger that a previous owner retains rights to your property. These rights arise when there is indication of forgery of documents (deeds, mortgages, releases), rights of divorced parties, adverse possession, wills by persons of unsound mind, mistakes from improper abstracting, unrecorded documents and many other issues!
Title insurance protects an owner’s best interest by eliminating any risks and losses caused by faults in title that occurred before you owned the property. This is accomplished by defending against any valid claim against your title; the insurance clears title or pays for your loss so as long as you and your heirs own the property.
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