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A title search is often an essential step in real estate transactions. It not only confirms the legal title of a piece of property, but also determines ownership status of the particular piece of property. Clear title is essential for a smooth real estate transaction. Clear title could cause conflict with lenders over title transfers. Title insurance companies will conduct an examination of the title to insure title coverage on property that was not yet closed. There are many ways to conduct title searches.
In the past, the only way to perform a title search was to call all the offices in the local area of the United States Attorneys and have each local courthouse determine the current owner of the property and request a copy of their legal documents related to the property. If the person did not have any current legal documents and he did not have any current legal papers, then he will almost definitely not have any current titles. It is then necessary to get the title search through the local offices, which could take several days, and cost quite a lot of money.
There are many options today to speedily and easily conduct a title search. Many agents are knowledgeable about title search techniques and have access to databases of property records online. These databases are populated with deeds , as well as other documents stored in the data base of the title company. The title search company uses this data base to conduct a search on the county in which the property is located.
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If the owner does not have any legal papers available the title search firm could use the data base to find the name of the owner. If the owner remains located in the United States, the company searches the records of county in which he/she resides. The company will also research the United States territorial laws for international properties. Online property title search services can also make a verified duplicate of the original document images, if everything else fails. This will allow for an effective title search.
If you have a clear title, it is simple to get all the information regarding the owner. With this information you can begin to discover the clear title history of the property. Online title search services can provide a “revised” hard-copy of the title history in the event that the original image of the document is not present or incomplete. The hard copies are important to establish clear title history for your own personal needs as well.
A title search might be required if there is a difference in the documents between you and a foreign entity. For instance, if a property is acquired by a foreign company however, the legal title may not include the names of the parties as owners. In these instances, a title search may be required to identify the owners of the necessary deeds.
An important point to consider is that, even if there’s a chain of title from the seller of the property to the buyer in the event that there is no clear title in the deed, you do not have legal rights to the property. Before you begin a title search to identify the names and identities of the parties that are involved in the purchase, it is important to seek out an experienced attorney. If you don’t consult an attorney, the expertise can result in serious legal issues and could end up requiring the court to demand that you pay for the defects in the deed if you attempt to sell the property without having the matter resolved by an attorney appointed by the court. If you don’t have legal title when you make the purchase, the attorney will advise you of how to proceed. The attorney will go over the purchase contract and other legal documents to ensure that there are no defects in the chain of title.
Anyone can perform the title search, but it is essential to choose an established title company. Online searches can help you figure the local businesses that are authorized to conduct title searches. You can also visit the internet to search for a range of specialty legal services including title insurance as well as title search. This site has a complete list of all attorney generals as well as specialty law firms that are registered with courts across the country.
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