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What is Title Insurance?

Click here for easy understanding by First American Title

 

Title insurance has become an important necessity do to the high risk involved in buying, selling or financing real property.  The policy is insured at the date of transfer of the property from one party to the other for the cost of a one time premium charge set by the Texas Department of Insurance (TDI). 

 It is valid from that point until the property again changes ownership. 

While there should be no risks in transferring property, risks do exist.  Many "hidden" hazards to property ownership may show up unexpectedly in connection with the property.  Any one of them could mean a costly loss or require time consuming hours to clear.  Title insurance protects the buyer from damages and expenses incurred because of these possible defects.  The policy also protects the seller as to warranties and representation make at the conveyance of the property.  The following are a few examples of hidden problems:

 

 

 

  1. Confusion from similarity of names.
  2. Forged documents.
  3. Signatures of minors or mentally incompetent persons.
  4. Mistakes in recording legal documents.
  5. Undisclosed or missing heirs.
  6. Fraud.

          7.   Invalid divorces.

  1. Misrepresentation of marital status.
  2. Unpaid taxes or mechanics liens.
  3. Clerical errors in public records.
  4. Wills not probated.

 

When a policy of title insurance is issued by First American Title Insurance Company, the buyer, and seller, can rest assured that his property is protected, subject only to its terms and exceptions.  First American Title Insurance Company celebrated its first century of existence as a title insurer. We are among the nation's leading title insurers in dollar reserves against policies issued.  This means that First American Title has the strength, experience and reputation your agent should be looking for when recommending a good title company.

 

Answered by First American Title, Cypresswood office, Spring, TX  77379 - by Anna Gonzalzes 

(713) 248-5943  See the company website  click here . Say you saw it on Heidi's Website.

 


  Wikipedia of what is a closing cost.  click here

 


 

Texas Land Title Association - click here

 

Find a title agent  - click here

 

A great visual of why we need title insurance. This is from an out of state company, but it explains it perfectly.

 

 

 

 

 

 

Title Rates in the State of

Texas - Click here

 

 

 

  

Closing The Steps -  by StarTEX of Spring, TX

click here

 

Customary Closing costs. Who pays for what. Click here


 

Why do you need Title Insurance? 20 Reasons why you need it!  click here  


 

What does a HUD 1 statement look like?

 

click here

 

 


 

 

Fidelity Title Company - Click here

 

Mortgage Calculator - Click here

 

Estimate of SELLER Closing Costs - Click here

 

Estimate of BUYER's Closing Costs - click here