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Protect your client.
Protect your reputation.
We know you’re busy and care about helping
your clients reach their goal of home
ownership.
You make the American dream
happen.
But sometimes an issue comes up after
closing that could jeopardize the reputation
you’ve worked hard to get.
A client is furious they received a letter from
the city that there is a lien on their house for
unpermitted work…
Or the mortgage pay off was not recorded.
What can a title search miss?
What can a title search miss?
- Unrecorded Property Debt/Liens
What can a title search miss?
- Unrecorded Property Debt/Liens
- Permitting Issues
What can a title search miss?
- Unrecorded Property Debt/Liens
- Permitting Issues
- Additional Associations Dues
What can a title search miss?
- Unrecorded Property Debt/Liens
- Permitting Issues
- Additional Associations Dues
- Land Boundary Issues
How your client’s dream home can turn
into
a nightmare...
Unrecorded Debt & Liens
Because these are ongoing issues, the
total and most current payoff amount is
NOT recorded in the clerk of the court.
This information can only be found if
requested by the proper municipality
department.
Permitting Issues
These are permitting issues that
will NOT be uncovered by a
private home inspector.
Make sure your client’s dream home
won’t turn into a money pit.
Encourage your clients to conduct a
municipal permit search or inspection in
addition to the private inspection.
Additional Association Dues
Sometimes title commitments have
incorrect or outdated information
about HOA’s that govern a property.
Land Boundary Issues
ALWAYS obtain a legal survey at closing
especially if your client plans to do
additions and improvements.
More often than not, the survey is NOT
conveyed over to the buyer at closing by the
seller. Generally because the seller did not
have one in the first place.
Doesn’t the lender send the payoff letter
to the clerk for recordation?
Not always…
In fact, some private lenders write
this task off to the title agent in the
payoff letter.
Don’t get caught off guard.
Work with a due diligence partner
who has your back.

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Title Agents: Protect your Client, Protect your Reputation

  • 1. Protect your client. Protect your reputation.
  • 2. We know you’re busy and care about helping your clients reach their goal of home ownership. You make the American dream happen.
  • 3. But sometimes an issue comes up after closing that could jeopardize the reputation you’ve worked hard to get. A client is furious they received a letter from the city that there is a lien on their house for unpermitted work… Or the mortgage pay off was not recorded.
  • 4. What can a title search miss?
  • 5. What can a title search miss? - Unrecorded Property Debt/Liens
  • 6. What can a title search miss? - Unrecorded Property Debt/Liens - Permitting Issues
  • 7. What can a title search miss? - Unrecorded Property Debt/Liens - Permitting Issues - Additional Associations Dues
  • 8. What can a title search miss? - Unrecorded Property Debt/Liens - Permitting Issues - Additional Associations Dues - Land Boundary Issues
  • 9. How your client’s dream home can turn into a nightmare...
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  • 21. Because these are ongoing issues, the total and most current payoff amount is NOT recorded in the clerk of the court. This information can only be found if requested by the proper municipality department.
  • 23.
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  • 27. These are permitting issues that will NOT be uncovered by a private home inspector.
  • 28. Make sure your client’s dream home won’t turn into a money pit. Encourage your clients to conduct a municipal permit search or inspection in addition to the private inspection.
  • 30.
  • 31.
  • 32.
  • 33. Sometimes title commitments have incorrect or outdated information about HOA’s that govern a property.
  • 35.
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  • 37. ALWAYS obtain a legal survey at closing especially if your client plans to do additions and improvements. More often than not, the survey is NOT conveyed over to the buyer at closing by the seller. Generally because the seller did not have one in the first place.
  • 38. Doesn’t the lender send the payoff letter to the clerk for recordation?
  • 39. Not always… In fact, some private lenders write this task off to the title agent in the payoff letter.
  • 40. Don’t get caught off guard. Work with a due diligence partner who has your back.

Editor's Notes

  1. First, let’s talk about issues that can be remedied before and during the closing process.
  2. Th
  3. Because this was an ongoing violation, the current pay-off amount was NOT recorded in the public record.