A title company ensures that a real estate transaction is legally sound by conducting a title search, issuing title insurance, and facilitating the closing process. We verify property ownership, check for outstanding liens, and handle escrow services to provide a smooth and secure home-buying experience.
Frequently Asked Questions
Title insurance protects homebuyers and mortgage lenders from hidden title defects, such as unpaid property taxes, undisclosed heirs, fraud, or clerical errors. Without title insurance, you risk legal disputes over property ownership. Whether you’re purchasing a home or refinancing, title insurance is a one-time payment that offers lifelong protection.
The real estate closing process involves reviewing and signing documents, transferring funds, and recording the deed. Our experienced team ensures all paperwork is compliant with New Hampshire and Maine real estate laws, so you can confidently close on your new home without unexpected delays.
A title search is a critical step in the home-buying process where we examine public records to confirm the legal ownership of a property and check for outstanding claims. In New Hampshire and Maine, a title search typically takes a few days, but complex issues like missing heirs or unpaid liens may extend the timeline.
Some common title issues include:
- Unpaid property taxes or liens
- Forgery or fraud in past deeds
- Boundary disputes
- Undisclosed heirs or missing signatures
- Errors in public records
Our team resolves these title problems before closing, ensuring a seamless real estate transaction in NH and ME.
The payment for title insurance varies by transaction. Typically, the buyer pays for the lender’s policy & owner’s policy. Our team can walk you through your options and help you understand the closing costs in NH and ME real estate transactions.
Yes! Even if you’re paying cash for a home in NH or ME, title insurance is highly recommended to protect against ownership disputes, hidden liens, or fraud. Without it, you could be responsible for expensive legal battles over property rights.
A lender’s title insurance policy protects the mortgage lender’s financial interest in the property, while an owner’s title insurance policy protects the buyer’s legal ownership. Getting both ensures full protection against title defects that could affect your home investment.
Title insurance rates are based on the property’s sale price and loan amount. In New Hampshire and Maine, the cost is a one-time fee paid at closing. Contact us for a custom title insurance quote or use our online quote tool and learn how much you can expect to pay for your property.
Getting started is easy! Contact us today for a title search, escrow services, or closing assistance in NH & ME. Whether you’re buying, selling, or refinancing, our expert team will guide you through every step of the real estate closing process.