Before you reach the Title Company of your choice, you would have: already selected your Real Estate Agent, found your home, signed a contract and applied for your new loan if your transaction is a purchase.  If your transaction is a refinance you would have began your loan application process.

Step 1   Choosing A Title Company When selecting a Title Company choose the one that can best serve you.  Simply having the right type of experience and knowledge is not enough in today’s highly competitive Title Insurance market.  To exceed the customer’s expectations a Title Company must have an executive staff who thoroughtly understands the industry, have the resources, is technology driven, is efficient, assures that each transaction is completed with the highest of professional and ethical standards and MEETS THE NEEDS OF THE CLIENT.

Step 2   Title Search and Examination A search of the Public Records is completed:

• to determine who the owner of the property is to reveal the legal description of the property
• to discover what liens are attached to the property
• to see if there are any restrictions as to the use of the property
• to learn if the property does or does not participate in a Home Owners Association
• to show that the taxes are paid current or if the taxes are delinquent

A report is produced the “Title Commitment”.  This report reflects what will be required of the Seller, Buyer, Lender and Title Company on or before the closing occurs.

Step 3   Closing Insturctions Once your loan is approved by the Lender, the Real Estate Agent and or Lender will notify the Title Company and:

• coordinate a closing date and time
• the Lender will provide closing instructions
• the Lender will provide closing documents

Step 4   Closing Day Prior to you arriving at the Title Company you would have approved the Settlement Statement.  The Settlement Statement reflects all fees agreed upon and all items needing to be collected.  The Escrow Officer will go over this document in closing as well to make sure you fully understand exactly what you are signing and there are no errors.  Also, the Real Estate Agent and Lender approve the Settlement Statement.

The closing:    a brief explanation, by the Escower Officer, of the documents that are required to be signed have all parties properly execute the closing documents review and ensure all the terms of the contract have been met (purchase) collect any monies due for closing costs disburse all proceeds according to the Settlement Statement the parties will exchange keys, information, etc. (purchase)

Step 5   After Closing Once the transaction is fully disbursed, the Lender’s documents are returned back to the Lender.  All the appropriate documents are recorded in the Public Records.  The Mortgagee Title Policy is issued to the Lender  and the Owners Title Policy is issued to the Borrower.

Call American Title “on Augusta” to discuss your individual title needs.  The Team at American Title “on Augusta” will meet all your expectations and is your personal title source.

“Discover The Difference”

Your real estate purchase is one of the largest single investments you may ever make, whether it is for a residential or commercial property.  So why risk such an important investment by purchasing a piece of real estate with unknown title defects?  A purchase without a TITLE INSURANCE POLICY could possibly result in a substantial loss. This loss could be catastrophic to your financial situation.  Purchasing a TITLE INSURANCE POLICY will protect you against such a loss up to the policy amount along with any incurred expenses due to the loss.

The tile (ownership) to real estate changes often through the years involving parties such as heirs, government agencies, lenders or contractors.  A title examination/research will provide you with the status of your real estate investment prior to your purchase.  Then why do you need a TITLE INSURANCE POLICY after the examination/research is complete?  Because even after the most detailed research some title flaws such as forgery, fraud, confusion, etc. can go undetected and come forth any time in the future.  By purchasing a TITLE INSURANCE POLICY your investment is protected.

Obtaining a TITLE INSURANCE POLICY  is a one-time nominal fee without any additional fees in the future.  The policy will provide protection to you or your heirs as long as you or your heirs own the real estate. 

It pays to be certain.  Know your ownership rights, property limitations and possible encumbrances that can attach to the real estate you are wanting to purchase.  Do not risk your real estate investment, there is no need, purchase a TITLE INSURANCE POLICY for complete protection and piece of mind.  Before you buy or sell you residential or commercial real estate, contact AMERICAN TITLE “on Augusta”.  The “Augusta Office” will offer you complete title services with a superior team working for you. 

Remember, real estate investments demand complete title protection.

“Discover The Difference”

American Title “on Augusta”

Kevin Price, Host of the Houston Business Show (M-F at 11 AM on CNN 650) announced that Wanda Reyna has joined the program as a Business Show Advisor. 

Wanda Star Reyna is an Escrow Officer/Branch Manager, Mother and Wife.  She gives each role her unparalleled personal attention with tremendous ethics and integrityWith all these roles and responsibilities Wanda is able to slip in an occasional date with her husband

Having been a Realtor and in the Title industry for more than twenty years, Wanda has excellent knowledge of the Houston market and Texas Title Insurance and how important it is that the client’s expectations and needs are met. She has proven to be a valued Escrow Officer in the Houston area. “Buying or Selling (residential or commercial) property is one of the largest investments most people make”, and having the opportunity to be a part of that, along with building relationships, is one of her motivations for being a part of the Title industry.She says it’s all about the professional, as well as the individualized service that keeps her client’s returning and referring. Wanda’s business is referral based

Wanda, along with her superior team, continues to concentrate on exceeding her client’s expectations. She holds a reputation filled with success, knowledge and trust Wanda’s motto is that of Ray Kroc (founder of McDonalds), “If you work just for the money, you’ll never make it, but if you love what you’re doing, and always put the customers first, Success will be yours.”