Home | 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."

Services

Purchasing a Home

When buying a home, title services help verify ownership and protect your investment.

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).

Title Insurance – We issue title insurance to protect buyers and lenders from unforeseen claims or defects in ownership history.

Closing & Escrow Services – We act as a neutral third party, handling funds, loan documents, and finalizing the legal transfer of ownership.

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:

Title Search & Insurance – Lenders require a new title search and lender’s title insurance policy to protect against any claims or defects.

Lien & Debt Payoff Coordination – We ensure previous loans are properly paid off and removed from the title before recording the new mortgage.

Closing Services – We facilitate the signing of loan documents, collection of fees, and proper recording of the new mortgage with the county

Construction Loan

(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.

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.

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.

Draw Management & Endorsements – As construction progresses, the lender releases funds in stages (draws). Title ensures that payments are made appropriately by: Verifying work completion before funds are released.Reconfirming title status before each draw to ensure no new liens have been filed. Issuing updates or endorsements to the title policy reflecting progress.

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.

Services

Commercial Loan

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:

Title Search & Examination: Conducts a comprehensive title search to verify the legal ownership of the property.Identifies any liens, judgments, unpaid taxes, or restrictions that could impact financing.Ensures that the seller has the legal right to transfer the property.

Title Insurance for the Lender

Lender’s Title Insurance Policy: Protects the commercial lender from financial loss due to title defects, undisclosed liens, fraud, or ownership disputes.

Endorsements: Provides specialized coverage depending on the type of commercial loan (e.g., zoning, survey, leasehold).

UCC (Uniform Commercial Code) & Lien Searches

Verifies if any business-related debts or financial obligations are tied to the property or the borrower.

Ensures that the lender’s lien is in first position, giving them the legal right to foreclose if the borrower defaults.

Survey Review & Legal Descriptions

Confirms property boundaries, ensuring the land matches the legal description.Identifies easements, encroachments, or access rights that may affect the lender’s risk.

Helps the lender understand potential zoning or land-use issues.

Closing & Escrow Services

Acts as a neutral third party to handle funds and document transfers.

Ensures all financial obligations (e.g., payoffs, taxes, HOA dues) are settled before closing.

Prepares final closing documents, including the loan agreement, mortgage, and deed of trust.

Document Recording & Compliance

Ensures the mortgage, deed, and other loan documents are properly recorded with the county.

Confirms that the lender’s lien is legally enforceable.

Helps prevent future disputes by ensuring the transaction follows local and state laws.

Construction Loan Title Services (If Applicable)

For commercial construction loans, title companies provide additional services:

Lien Monitoring: Issues updated title reports before each loan draw to confirm no new liens have been filed.

Mechanic’s Lien Protection: Ensures all subcontractors and suppliers are properly paid to prevent lien claims against the lender.

Final Title Endorsement: Confirms clean title before the lender issues final loan funds..

1031 Exchange Assistance (If Needed)

Helps commercial real estate investors defer capital gains taxes by ensuring compliance with IRS 1031 exchange rules.

Construction Loan

(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.

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.