Who Does a Home Title Search?

Generally, a title check is required by a lender if the house is bought either via a mortgage or a loan. Carried out by a title company or an attorney representing the buyer, this evaluation helps protect the new owner’s investment. In certain instances, the lender may choose to do the property title search themselves.

Sometimes, the buyer may choose to carry out the title examination on their own. You can do so by:

Obtaining the legal description of the property you intend to purchase.
Submit the description to the county’s Office of the Examiner of Titles and request access to public records.
You will then be guided on how to get the chain of title.

While this should give you enough information about the history of the property, it may not contain all the information you require. Further, the Recorder’s Office will not be able to give you any legal advice about your property.

It is highly recommended that you enlist the help of a title search company or an attorney for your title search. This will save you from financial and legal trouble further down the road.

According to the Federal Bureau of Investigation, approximately 9600 homeowners in America are victims of title fraud.

While this number may seem small on paper, it begs the question – how can you protect yourself from such identity theft when buying your new home?

A home title search is your answer!