A Title Search from the Best Title Insurance Company in Fort Collins
Can you do a title search on your own? Sure, but I wouldn’t. It’s not that you can’t do a casual search of the title to a property. You certainly can go to the local recorder of deeds and start to trace back the ownership by looking up owners of record. The problem is that if you aren’t trained to do this kind of work, you could easily miss liens or problems that affect a piece of property. You need The Best Title Agency in Fort Collins. It’s important to have a title insurance agency that will be here for you today and tomorrow.
Title Insurance from the Pros
In some states, there are attorneys who specialize in title work, and you generally would hire them to do this work for you. In other states, there are title insurance companies that can deliver to you a report on a specific property. Some of these reports do not rise to the level of a title insurance commitment or policy but might give you some of the information you are looking for.
Your decision to work with a title insurance company will also depend on the information you are looking for. In some states, property records and tax records are readily available online. If you are looking to find out if a deed was recorded conveying title to a particular piece of property, you might be able to find that information rather easily online. Knowing whether the document you find was a proper document without defects will be another story, but you should, at least, be able to find the document. If you are looking to see if taxes are paid on a piece of land, those records are also online in many counties.
The Title Search and Title Insurance Policy
A title search on a piece of property can take up various elements. When you order a title insurance commitment or opinion, depending on where you live, the company or attorney delivering the search will look at the documents recorded on the property, review tax records that affect the property and generally also search whether the owner of the property has any liens filed against him that might not show up for the property. The package as a whole will be put together in a report given to the person who has ordered it. If the report is a title insurance commitment, the commitment has certain benefits that can be relied upon by the person that places the order. So, you need to know what you are looking for to determine whether it is worth the expense of working with a title insurance company or attorney.
That’s why you want the best title insurance agency in Fort Collins. The Group Guaranteed Title – Title Insurance Agency is here to help with all of your title insurance needs in Fort Collins. Call (970) 613-4364 to contact us. Check out The Group Guaranteed Title – Title Insurance Agency rate card and learn more about our performance standards.
Land Contract Title Insurance Policies
When you buy a property under a land contract, you are buying the home over time. You make your payments, and when you have completed making all of the payments, the seller transfers legal title to the home to you. If you worked with a real estate attorney to help you through the land contract purchase process, the attorney would have recommended that you purchase (or receive from the seller) a title insurance policy for a contract purchase of a home.
- If you bought an owner’s title insurance policy, then the title insurance company would pay the tax and make you whole in this situation because the title company didn’t find that the taxes were unpaid.
- If you didn’t buy an owner’s policy, you would likely owe the tax but could sue the seller for failure to give you the unencumbered title.
In any event, it’s unlikely that the land contract to purchase the property would be void, but rather that the seller breached his or her obligation to give you unencumbered title to the property. If you are still making payments to the seller under the land contract, you may be entitled to deduct from those pay
You need the most trusted title insurance agency in Fort Collins. The Group Guaranteed Title – Title Insurance Agency is here to help with all of your title searches, policy, and insurance needs in Fort Collins. Call (970) 613-4364 to contact us. Check out The Group Guaranteed Title – Title Insurance Agency to learn more.