A Deep Dive Into the Title Search Process

A Deep Dive Into the Title Search Process

At Ratified Title Group, we work hard to get you to closing as smoothly as possible. That includes making sure there aren’t any defects on the title of your property by doing a title search. A title search is necessary to obtain a title insurance policy. The information collected during a title search will give you peace of mind about the property you are buying and reduce the risk of title problems presenting themselves in the future.

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What to Expect During Your Home Inspection

What to Expect During Your Home Inspection

If you are buying a home, you’ll want to schedule a home inspection as soon as the seller accepts your offer. A home inspection can help you make a more informed decision about the home you’re buying, identify any potential issues with the home and possibly save you money on unexpected repairs.

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Understanding the Statement of Information

Understanding the Statement of Information

As a title company, it’s our job to do a deep search on your property to make sure everything is good to go on closing day. In an effort to clear the title of your property, one of the pieces of the puzzle is to search your name and see if there any persons with similar names who may have liens on judgements against them. The procedure to acquire this information is known as a Statement of Information.

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Why You Need Title Insurance Even if You Are Paying With Cash

Why You Need Title Insurance Even if You Are Paying With Cash

You’re paying cash for your new home. That’s great! You are not bound by the requirements set by many lenders such as having title insurance, but the reason lenders require title insurance is to protect their interests. It would be wise to follow that thinking and protect your investment as well.

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Why You Need a Property Survey

Why You Need a Property Survey

There are many things to think about when buying a home. You probably already know about the importance of completing a home inspection to make sure the home’s structure and systems are sound. Similarly, a home appraisal is important as well, because it will determine the value of the home you’re thinking of buying. Another item that should be on your home-buying to-do list is a property survey.

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How To Prevent Your Pending Home Sale From Falling Through

How To Prevent Your Pending Home Sale From Falling Through

You’ve spent hours researching homes online and viewing properties, and you’ve finally found the perfect home, or you’ve spent thousands of dollars fixing up your house to get it ready to sell and held multiple open houses. Finally, an offer has been made and accepted. Time to celebrate, right? Not so fast. Several things can and do go wrong between the time the offer is accepted and closing. 

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Commercial Settlement Services

Commercial Settlement Services

Similar to home-owners and sellers, businesses could use help when closing on a property. That’s why one of the services we offer at Ratified Title Group is commercial settlements. The process for commercial title transactions is different from residential settlements in that it’s a bit more complex and requires a variety of different procedures. Through years of working in the title field, we have experts that can handle this process smoothly and efficiently.

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All About Underwriters

If you’re waiting to go to closing, you may have heard that your loan is with the underwriters. If you’re not familiar with the term, it might sound like your paperwork went to a secret society that lives underground and calculate your loan qualifications on mythical scrolls. Who are these mysterious underwriters, and what is their role in getting your mortgage? We’re here to break it down for you and tell you who the underwriters are and what they do for your home loan.

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Title Talk — What Do All These Terms Mean?

Title Talk — What Do All These Terms Mean?

If this is your first time buying or selling a home (or honestly, even your second or third), you may pick up a whole new dialect that you never knew existed before. There are so many terms to learn when going through the process of buying or selling a home. We’re here to help you understand exactly what we are talking about in terms of titles, so you can make the best and most informed decisions! Here are some important terms and their definitions.

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Is Title Insurance Worth the Cost?

Is Title Insurance Worth the Cost?

Buying a home is one of the biggest investments most people will make in their lifetimes. Protecting your home with title insurance is a small investment by comparison, but it can save you big in the long run. We insure our health, our lives, our cars, our homes, our businesses and our belongings. Most insurance policies protect you from things that will happen in the future, but title insurance works differently. This insurance protects you from things that happened under previous ownership of the property that don’t come to light until you own the property. We will break down why we believe title insurance is always worth the cost, because like most insurances, when you need it you really need it.

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