The Title Agency is a trusted provider of title insurance and settlement services, ensuring smooth and secure real estate transactions.
The Title Agency
"At The Title Agency, we make real estate transactions seamless, secure, and stress-free. Whether you're purchasing a home, refinancing, securing a construction loan, or working with private lenders, our expert team ensures clear title, smooth closings, and total protection for buyers, sellers, and lenders alike. Backed by industry expertise and a commitment to precision, we safeguard property rights so you can move forward with confidence."
Purchasing a Home
When buying a home, title services help verify ownership and protect your investment:
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Title Search – We conduct a thorough examination of public records to confirm the seller has the legal right to transfer ownership and uncover any potential issues (liens, unpaid taxes, judgments, or disputes).
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Title Insurance – We issue title insurance to protect buyers and lenders from unforeseen claims or defects in ownership history.
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Closing & Escrow Services – We act as a neutral third party, handling funds, loan documents, and finalizing the legal transfer of ownership.
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Recording the Deed – Once the transaction is complete, we ensure the new ownership is properly recorded with the county.
Refinancing a Home
When refinancing, title services ensure the new loan is properly secured and that there are no outstanding title issues:
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Title Search & Insurance – Lenders require a new title search and lender’s title insurance policy to protect against any claims or defects.
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Lien & Debt Payoff Coordination – We ensure previous loans are properly paid off and removed from the title before recording the new mortgage.
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Closing Services – We facilitate the signing of loan documents, collection of fees, and proper recording of the new mortgage with the county
Construction Loans (Traditional & Private)
When funding a new construction project, title works to protect all parties by ensuring clear ownership, verifying lien priority, and managing funds through draws. Key title services include:
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Title Search & Insurance – Confirms the landowner has clear ownership and issues a Loan Policy of Title Insurance to protect the lender from defects, liens, or ownership disputes.
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Lien Waiver & Priority Protection – Ensures the lender’s mortgage is in first position and helps verify that no mechanics’ liens (from contractors, suppliers, or subcontractors) will arise during construction.
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Draw Management & Endorsements – As construction progresses, the lender releases funds in stages (draws). Title ensures that payments are made appropriately by:
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Verifying work completion before funds are released.
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Reconfirming title status before each draw to ensure no new liens have been filed.
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Issuing updates or endorsements to the title policy reflecting progress.
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Final Title Policy & Recording – Once construction is complete and the loan is finalized, title ensures proper recording of the mortgage and issues a final owner’s policy (if applicable) to the property owner.
Additional Title Services
Private Money Loans (Hard Money Loans)
Private money lenders rely heavily on title companies to ensure they are making secured loans with clear collateral protection. Title services for private money loans include:
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Title Search & Insurance – Verifies property ownership and ensures the lender’s lien will be recorded in first position.
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Lien & Judgment Search – Checks for outstanding debts, tax liens, or legal judgments that could impact the lender’s security.
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Recording of Mortgage or Deed of Trust – Ensures the loan is legally recorded so the lender has legal rights to the property in case of default.
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Escrow & Closing Services – Facilitates the funding process, collects borrower signatures, and ensures proper disbursement of funds.
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Payoff & Release Management – If the loan is used to refinance or pay off another loan, title coordinates lien releases to remove prior encumbrances.
Commercial Loan (Business Banking Loans)
1. Title Search & Examination
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Conducts a comprehensive title search to verify the legal ownership of the property.
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Identifies any liens, judgments, unpaid taxes, or restrictions that could impact financing.
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Ensures that the seller has the legal right to transfer the property.
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2. Title Insurance for the Lender
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Lender’s Title Insurance Policy: Protects the commercial lender from financial loss due to title defects, undisclosed liens, fraud, or ownership disputes.
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Endorsements: Provides specialized coverage depending on the type of commercial loan (e.g., zoning, survey, leasehold).
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3. UCC (Uniform Commercial Code) & Lien Searches
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Verifies if any business-related debts or financial obligations are tied to the property or the borrower.
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Ensures that the lender’s lien is in first position, giving them the legal right to foreclose if the borrower defaults.
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4. Survey Review & Legal Descriptions
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Confirms property boundaries, ensuring the land matches the legal description.
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Identifies easements, encroachments, or access rights that may affect the lender’s risk.
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Helps the lender understand potential zoning or land-use issues.
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5. Closing & Escrow Services
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Acts as a neutral third party to handle funds and document transfers.
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Ensures all financial obligations (e.g., payoffs, taxes, HOA dues) are settled before closing.
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Prepares final closing documents, including the loan agreement, mortgage, and deed of trust.
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6. Document Recording & Compliance
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Ensures the mortgage, deed, and other loan documents are properly recorded with the county.
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Confirms that the lender’s lien is legally enforceable.
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Helps prevent future disputes by ensuring the transaction follows local and state laws.
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7. Construction Loan Title Services (If Applicable)
For commercial construction loans, title companies provide additional services:
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Lien Monitoring: Issues updated title reports before each loan draw to confirm no new liens have been filed.
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Mechanic’s Lien Protection: Ensures all subcontractors and suppliers are properly paid to prevent lien claims against the lender.
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Final Title Endorsement: Confirms clean title before the lender issues final loan funds..
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8. 1031 Exchange Assistance (If Needed)
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Helps commercial real estate investors defer capital gains taxes by ensuring compliance with IRS 1031 exchange rules.
Why Is Title Important for a Commercial Loan?
Commercial properties often have multiple owners, investors, tenants, and financial obligations that can create title risks. Title services ensure:
✅ The lender’s security interest is legally protected.
✅ The borrower receives a property with a clean title.
✅ All liens, debts, and encumbrances are identified before closing.
✅ Regulatory compliance is met for recording and loan structuring.
THE TITLE AGENCY
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Core Title Services:
Why These Services Matter
Title companies serve as the backbone of real estate transactions, ensuring all parties—buyers, sellers, lenders, and investors—are protected from legal and financial risks. Offering a full suite of title services ensures smooth transactions across residential, commercial, construction, and refinance deals.
Would you like me to customize this for The Title Agency with a more branded approach?
1. Title Search & Examination
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Reviews public records to confirm ownership history.
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Identifies liens, encumbrances, judgments, or title defects.
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Ensures no issues prevent a clean transfer of ownership.
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2. Title Insurance
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Owner’s Title Insurance – Protects the homebuyer against title defects, fraud, or ownership disputes.
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Lender’s Title Insurance – Protects the mortgage lender by ensuring they have a valid lien on the property.
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3. Escrow & Closing Services
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Acts as a neutral third party to collect and distribute funds.
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Prepares final closing documents.
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Ensures all conditions of the contract are met before closing.
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4. Document Recording
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Files the deed, mortgage, and other documents with the county.
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Ensures the proper legal transfer of property ownership.
5. New Construction Title Services
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Verifies ownership of the land.
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Issues title endorsements for lenders as construction progresses.
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Manages lien releases and draw disbursements.
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Prevents mechanic’s lien issues by verifying contractor payments.
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6. Private Money & Hard Money Lending Title Services
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Confirms the lender’s lien priority.
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Provides fast, efficient title searches for high-speed closings.
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Ensures borrower and property compliance with lender requirements.
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7. Commercial Title Services
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Performs complex title searches for multi-unit, retail, and industrial properties.
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Reviews zoning, easements, and environmental restrictions.
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Offers tailored title insurance policies for large transactions.
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8. Reverse Mortgage Title Services
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Ensures borrower eligibility (age, ownership, and equity).
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Conducts lien searches to verify clear title.
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Prepares and records the reverse mortgage documents.
9. 1031 Exchange Title Services
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Assists investors in deferring capital gains taxes by facilitating property exchanges.
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Ensures compliance with IRS 1031 exchange regulations.
10. Land Title Services
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Examines land ownership history and restrictions.
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Protects buyers and lenders against unknown claims or easements.
11. Home Equity & Refinance Title Services
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Confirms clear ownership and any existing liens.
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Ensures proper recording of the new mortgage.
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Issues new lender title insurance as required.
12. Lien & Judgment Searches
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Identifies unpaid taxes, lawsuits, or debts attached to the property.
13. Title Curative Services
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Resolves title defects, such as missing heirs, old liens, or boundary disputes.
14. Mobile & Remote Closings
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Offers in-person or R.O.N. (Remote Online Notarization) for convenience.
15. Foreclosure & REO Title Services
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Clears title issues on bank-owned properties before resale.
16. Attorney & Underwriting Services
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Provides legal reviews for complex transactions.
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Works with national underwriters like WFG, First American, or Fidelity National.
MEET THE TEAM
Who We Are
At The Title Agency, we are dedicated to providing expert title insurance services for all types of loans. Our mission is to safeguard your property rights and provide peace of mind during real estate transactions. With a focus on professionalism and reliability, we aim to make the title insurance process smooth and secure for our clients.
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