***If you are conducting a real estate transaction where we are involved, please feel free to contact us or your lender via phone before wiring any money. Do not click on any links in emails, even if they appear to be from legitamate senders, before verifying the information over the phone. We are here to make sure your closing goes smoothly, this includes helping you avoid wire fraud as much as possible.***
Western Title Company is backed by multiple underwriters which enables us to find the support to underwrite the most complex real estate transactions. We have developed strong relationships with some of the largest underwriters in the country, giving our team access to the top decision makers in the industry. We maintain our close relationships with our underwriters to ensure great service and complete coverage to all of our transactions.
5 Reasons You Should Have Title Insurance
WESTERN TITLE COMPANY
A BRIEF DESCRIPTION OF WHAT WE DO
WHAT DO WE DO?
We work hard to make sure that you can purchase your home/property with peace-of-mind by reducing risks and protecting your rights.
HOW DO WE DO THAT?
You or your realtor will bring us a contract and from that moment on, our team is working for you. Our examiners go through and verify legal documents attached to the home and/or property you are thinking of purchasing. This can be a complex process, but it is extremely important because it ensures that the title can be legally transferred to you.
WHY IS THE PROCESS SO COMPLEX?
The examination process can be complex because our team searches public and private records. They look for previous liens, tax issues, unpaid child support, ownership disputes, forgery or fraud and other possible issues that could affect the property. Our search may take longer that some, because we can search all the way back to the first time the land was purchased from the government (Sovereignty of the Soil). Searches that date back as far as possible can more easily protect your asset.
All of our title searches are conducted locally and in-house.
IS OUR SEARCH ALWAYS GOOD ENOUGH TO PROTECT YOUR PROPERTY RIGHTS?
We stand proudly behind our title searches and our examiners; however, chains in title can be missed due to past errors (misfiling from other title companies or the courthouse, etc.), therefore, after our extensive title searches, we offer owner's title insurance policies. These policies help protect your property rights. A loan policy protects the lender's interest in the property. Only an owner's title insurance policy protects you as the homebuyer. There is a one-time fee for an owner's title insurance policy and this will protect you for as long as you own the home.
WE ACT AS A DISINTERESTED THIRD-PARTY. WHAT DOES THIS MEAN FOR YOU?
Western Title Company has no subsidiaries. When we say we are a "disinterested third-party" we mean that our interest is not in a bottom line for a real-estate agent or agency. Our interest is in the title work, revealing the truth and allowing you to make your decision based on our findings. Buying real property is a huge decision for anyone and you deserve to know the full truth and history of that property so that your rights to that property are protected.
We love doing what we do because it "insures" that no one can take what is rightfully yours!
This is a list of common items that may be required from you at closing. Please feel free to contact us to get a list that is more specific to your closing. Our wish is to make this process as smooth and fast as possible.
- Valid Photo Identification
- Two forms are often required
- Valid U.S. driver's license or non-driver ID
- Military ID
- Current U.S. or *Foreign Passport
- Two forms are often required
- Wire Transfer
- Please contact us or your lender via phone to verify any routing instructions prior to making a transfer.
- Please contact us to verify acceptance of funds.
- Home Owner's Insurance Policy and Paid Receipt
- All persons who hold title to the property, or who will be purchasing the property, must attend the closing to sign documents