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When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.
It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.
Cindy Tittle Preferred Home Brokers 255 W. Central, Suite 104 Brea, CA 92821 Tel: 714-315-4054 Tel: 714-528-3399 Fax: 714-528-1199 Email: cindytittle@NUMBER1EXPERT.com
My philosophy:
I believe the role of a real estate agent is to guide you through the buying or selling process, taking the time to make sure you understand every step of the transaction.
Comprehensive knowledge of your area:
Being a resident of the area, I know the communities very well and I have in-depth real estate experience. This in-depth knowledge of the area and the real estate market can help you make the most informed decisions.
Committed to ongoing training:
A wide variety of continuing training helps us deliver high quality services to our customers and clients.
Dedicated to your needs:
Because real estate transactions don't stick to regular business hours, I am available seven days a week, often coming in early and staying late as necessary to get the job done.
- NUMBER1EXPERT™ 
