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I bought a house or am selling my home.

I found the perfect place or buyer.

What is next? 

STEP ONE: The Order

Whether it be an offer and acceptance, real estate contract, or a refinance, an order is placed with TitleNet Solutions and our team begins to dive into the history of the property. We have the experience to know what to look for and where to look. 

STEP TWO: Title Search
A Title Search is an examination of the public records to determine and confirm the vested ownership of a piece of property, as well as any other matters arising in the chain of title that may either benefit or adversely affect the status of title. This is important because it allows us to address encumbrances on the property, such as judgments, liens and mortgages; and also ensures things like legal access to and from the property. This process protects the buyer, seller and the lending institution in a transaction and can prevent any headaches down the road.

STEP THREE: Title Commitment
A Commitment for Title Insurance is a document that outlines the details of the transaction, requirements that must be met in order for a Policy of Title Insurance to be issued, and any exceptions that will not be covered under the Policy.

STEP FOUR: Closing Table
The closing table is where an experienced member of our team sits down with both the buyer and seller to explain and review the documents that are being signed. Once signed, the documents are sent to Circuit Clerk/Recorder’s Office, where they are filed and become public record. Recordation of the Deed, which includes a filing or instrument number and a date and time stamp, finalizes the conveyance.

STEP FIVE: Title Policy Issuance

Unlike home, health and car insurance that protects against future problems that may occur, title insurance protects against problems that may have occurred in the past. If a problem that existed prior to issuance of the Policy is later discovered, you may be protected under your Policy, which could save you time, headache and money.

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