Title Insurance for Your Peace of Mind

	Searching for mortgage advice? We'll be glad to answer your questions about our mortgage offerings! Give us a call today at 305-967-7200. Want to get started? Apply Online Now.

The biggest investment you will make in your lifetime will probably be purchasing a home. So before you sign on the dotted line, you must be certain that the property's title is clear of any other claims.

Determining that your rights and interests to the property are clear is the business of a title insurance company.

For a modest, one-time title insurance premium, you will receive continuous title insurance protection equal to the purchase price of the property or its current market value.

The title company performs an extensive search on the title history of the property. Through its research, the title company can almost always find any title problems and have these problems cleared-up before you close on the property.

Because Real Estate Law is so complicated, you need an expert to make sure that all previous transactions have been correct, so you don't end up with legal problems or a problem with the title to your property. Your owner's policy will describe the property and outline the limitations on your ownership. It will also set forth the title company's responsibilities should any claim covered by the policy terms arise. Title insurance covers the following:

• Contested title — Someone, usually a previous owner or occupant, claims they still own the property or have not given up their claim. In this case, the title insurance company will defend the title at no expense to you.
• Defective title — "Defective title" covers any number of problems with the title to your home. It can even include a "contested title". Other examples of title defects include problems with legal access to the property, easements that make the property less usable, unusable, or unsaleable. Any number of other complicated problems define "Defective title." The title insurance company will find these problems, or should they miss them, insure your loss up to the amount of the policy.

U.S.A. Lending, Inc. can answer questions about title insurance and many others. Call us at 305-967-7200.