MORE THAN RESPONSIVE
We will walk you through every step of the process from beginning to end and happily answer all your questions. Our advanced technology allows you to have real time access to your account, and comfort knowing that our tech driven platform will always keep you in the know!
POWERFUL PERFORMANCE
The title and escrow business involves a lot of moving parts and we take pride in offering thorough underwriting and evaluation of property title searches, among a host of other services. We are the trusted liaison between all parties. You can think of it like this: Unity is like your personal safe during your real estate transaction.
OUR SERVICES
WHAT IS A
TITLE AND ESCROW COMPANY?
EXPLORE
Title companies act as the Title agent and researches real estate records to ensure the seller has the right to sell the property to the buyer. We are looking for liens and encumbrances against the property. We prepare commitments for the Lender and issue both Lenders and Owners Insurance Policies to protect the lenders investment as well as yours. We obtain all closing documents, prepare closing package and facilitate your closing. We manage assets, we track lien releases, order and obtain payoffs, deeds, homeowners’ insurance, inspections, and surveys. We coordinate draws, disbursement requests and update title with each request. We also provide title endorsements and notary services./
What is Escrow? An escrow company provides an important service during the home buying and selling process. Once the process begins, documents, money, title, and securities will need to be exchanged between the parties involved, and the escrow company will facilitate this until the property legally changes hands. This can often include earnest money deposit or good faith payments made from a homebuyer to a seller to take the property off the market./
What are the differences between Owner's and Lender's Title Insurance Policies and what do they protect me against?/
Owner's Policy/
An Owner’s Policy protects the borrower if someone challenges the ownership of property based on title defects that were unknown when the policy was purchased. The coverage protects the borrower and their heirs as long as they have an interest in the property. The borrower will pay a one-time premium at closing for this protection. In the event there is a claim against the title in the future, the title insurer, without expense to the policy holder, will defend the borrower against a challenge to the property title. A borrower may lose both the property and the equity in the property if they are not covered.
Protects against/
Deeds by persons of unsound mind
Deeds by minors
Deeds executed under an invalid or expired power of attorney
Liens for unpaid taxes
Fraud
Mistakes in the recording of legal documents
Forged deeds, releases, or wills
Undisclosed or missing heirs, including spouses
Lender's Policy/
A Lender’s Policy protects the Mortgage Lender in the event that someone attempts to challenge the property title based on any title defects that were unknown when the policy was purchased. It is a loan requirement that the buyer obtain a Lender’s Title Insurance Policy when a borrower takes out a loan to buy their new home.
This coverage does not provide any protection for the buyer.
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