What Buyers Need in a Title Company

What Buyers Need in a Title Company

Having a clear title is important to any real estate transaction, even if you are paying cash. When you have the title to a piece of property, it means you have the right to own and use that piece of property. The title also includes the legal documents that define the property’s boundary lines and how it’s allowed to be used. However, in order to get the title to the property you want, you’ll need the help of a good title company. Where should you start and what should you keep an eye out for?

Continue reading “What Buyers Need in a Title Company”
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.

Continue reading “A Deep Dive Into the Title Search Process”
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.

Continue reading “What to Expect During Your Home Inspection”
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.

Continue reading “Understanding the Statement of Information”
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.

Continue reading “Why You Need Title Insurance Even if You Are Paying With Cash”
Closing Day Checklist

Closing Day Checklist

You’ve finally found your dream home and closing day is approaching. There’s a long list of things that could go wrong before that day arrives, but if you’re prepared, everything should go smoothly. Follow this closing day checklist beforehand, and you will have the keys to your new home by the end of the day.

Continue reading “Closing Day Checklist”
Refinancing Settlement Services

Refinancing Settlement Services

One of the services we offer at Ratified Title is refinancing settlements. People will often refinance their homes to save money on their monthly payments by reducing their interest rates. When it comes time to adjust your mortgage rates, a refinancing settlement can be stressful if it isn’t handled properly. That’s why we maintain the highest standards of accuracy to make sure your refinancing settlement goes off without a hitch.

Continue reading “Refinancing Settlement Services”
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.

Continue reading “Commercial Settlement Services”
Residential Settlement Services

Residential Settlement Services

One of our services at Ratified Title is residential settlements. Closing on a home can sometimes be a bumpy ride. We work hard on our end to make it as smooth as possible for our customers and their agents.

Continue reading “Residential Settlement Services”

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.

Continue reading “All About Underwriters”