Spring is a common time for house hunting; mortgage applications typically begin to increase at the beginning of February and grow steadily in the following months. When you’re in the market to buy a house, you keep hearing “title search” but first-time homebuyers may not feel entirely certain of what that means.
A title search is a search of the public records to determine ownership of the property and to identify defects shown in the public records. In simple terms, the title lists any errors, judgments, restrictions, and other issues related to the property in the public records. Even if your home is new, the land involved still has a history to be researched. A title search will only reveal defects shown in the public records. Title insurance based on an attorney’s title search covers defects shown in the public records plus other defects that are not recorded in the public record, such as a forged deed. Normally, there is no need to conduct the title search until you have a contract to purchase the house. The standard Offer to Purchase requires the seller to deliver clear title and if the title search reveals defects then you do not have to close on the property.
When you sign the Offer to Purchase on the house you plan to purchase, contact the team of Kelly & West and we’ll conduct a title search and answer any questions you have about the real estate process. You can read more in our post, 6 Legal Questions to Ask Before Buying a Home. Only an attorney can explain any legal problem and provide legal suggestions.
Oliver and Sherrie M. – Car Accident
“We were hit head-on by someone who run a red light. I got bruised up real bad inside and I had just had shoulder surgery and it inflamed that. My wife was hurt the worst. It disfigured her right arm. We were referred to Mr. West through our son-in-law so we went up and set an appointment with him. We went in and met him for the first time and he is a very nice gentleman to say the least. He took over the case and found out who the [driver] was. It had totaled the car and I had just gotten it paid off. They didn’t even get hurt. Mr. West took the case and went way out of his way to help. The lady who hit us … they had only the cheapest insurance to get the car on the road … so he helped us get more money to help us pay the bills. We are very happy with how it turned out. Kelly and West, they’re good people. You can talk to them and they’re down home people.”