Provide a full range of escrow services and title insurance products at a fair cost.  Anticipate the needs of our customers and exceed the industry standards for Title Insurance Companies.  Continue our education within the Real Estate Title Industry.  Cultivate and grow business relationships, new and old.  Provide a professional closing for all parties involved, and make the home selling, buying, or refinancing process a satisfying and informative experience.

One of the most important parts of the title search is to determine if there are any unsatisfied judgments against the seller or previous owners which were in existence while they owned the title.  A judgment is a general lien against the debtor's real estate and constitutes security for any money owed under the judgment.  The real estate can be sold to satisfy the judgment.

It is extremely important to be sure that a title is not subject to judgments against the seller or previous owners.  Title insurance provides this protection.  A judgment against a person named Smith may affect the title of a seller name Smith, depending on whether or not they are the same person.  So, all possible variations of the name must be examined.

Rights established by judgment decrees, unpaid federal income taxes and mechanics' liens all may be prior claims on the property, ahead of the buyer's or lender's rights.  If a judgment is discovered that constitutes a defect in the title, it is pointed out, and the seller must then satisfy it before the title of the new buyer can be insured free and clear of that judgment.

• Discloses any lien holds against the property.
• Prevents a buyer from obtaining title without knowing the liens that affect it.
• Aids the lender in determining its equitability.