Buyers & Sellers
Real Estate Closings.
Buying or selling a house can be confusing at times but we are here to help take the worry out of it for you. Atlantic Coast Title & Escrow is here to ensure that your real estate transaction goes as smoothly as possible. Atlantic Coast Title & Escrow is attorney owned and operated so you can be rest assured that all aspects of your investment are being looked after and protected.
From Start to Finish; we will answer all your questions and concerns about title insurance in Florida, and lead you every step of the way until you close. We can help whether you are purchasing a new home or just refinancing your existing home.
We are here to explain the title and closing process as well as all costs and fees included. We are attorney owned and operated so you will always be speaking to someone with your best interests in mind. Title Insurance is important. Your home is probably going to be your biggest asset or investment, therefore it must be protected. Title insurance protects against:
– Any hidden title defects
– Forged documents
– Clouds on title
Even though great efforts are practiced to insure your title is clear, sometimes documents were not filed properly or circumstances like the ones listed above can and sometimes will try to take away what you worked so hard for. This is where you need the protection of Title Insurance.
So what do we do?
Even though great efforts are practiced to insure your title is clear, sometimes documents were not filed properly or circumstances like the ones listed above can and sometimes will try to take away what you worked so hard for. This is where you need the protection of Title Insurance. So what do we do? We begin with a thorough title search through multiple channels to ensure that there are no hidden defects or misrepresentations. Then we take that information and prepare what is called a “title commitment” which will document any findings.
The title commitment will then work as a to-do list of things that we will need to clear and satisfy in order to insure a clear title to the property. Also, during this time, we will order any payoffs (such as mortgages, liens or judgements), receive copies of the borrower’s homeowner’s insurance policy, and survey. If the borrower does not have a survey, one will be ordered on their behalf, if the lender requires one. Next, after everything is satisfied, we are ready to close. We will schedule a time for the borrower to sign their documents foreclosing. After all documents are signed, the closing package is reviewed to be sent back to the lender. Finally, once all steps have been completed and all documents have been recorded, the agency will then issue the title policy.