What is a Title Order?

All real estate transactions cannot proceed without a title. This is also the same for cars, boats and other large items such as large trailers. The title for real estate, usually referred to as a deed, is a legal document that details the location and the owner of the item. A title needs to be legally transferred from one person to another and this is done through a process called a title order.

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Why Do You Need a Title Order?

Being that a title is a legal document, it is required by law to record the transaction and report to the county clerk. This is usually done by a title company as they are specialized in this area. The title company will validate the current title to make sure it is legitimate and check for liens against the property. 
When buying a house or section of land it becomes necessary to check the title to make sure there are no liens or claims on the property. A lien is a judgment passed down from a court that ensures the owner of the property pays his creditors. A lien holder is an entity that has gone through the court system and proved to a judge that the owner of the property is a debtor to them. The lien holder could be a bank, homeowners association or private party. Once the judgement is passed down, a lien is placed on the real estate which requires the settlement of that debt as the property is being sold.

When is a Title Order Issued?

A title order is issued when real estate changes hands. This most often happens through buying, selling or inheriting. The title order starts before the sale or transfer happens as it is needed to ensure the real estate is free and clear. The title company will search the public records associated with the property, going back 50 years or more. 

Title Insurance

Once the title company has confirmed the title is free from claims or liens, it will issue title insurance to the new owner of the property and to the lender. This insurance policy will pay any outstanding claims or liens that may have been missed during the title search by the title company. 

Tips for Ordering a Title

Before you place your title order, it is best to be prepared before you begin the process. This will help prevent any stalls and allow for a smooth closing of your property. Below is a list of suggestions you may need for ordering a title.

  • Request early—the sooner you can put in a request for a title order the better chance you stand at avoiding issues arising such as liens or bankruptcies.
  • Have necessary documents ready—ensure you have the correct information on your sales contract before you proceed with the transaction. Any changes or addendums of the contract must be submitted to the closing agent.
  • Contact information—provide the contact information to all parties involved with the transaction. This should be the real estate agent, buyers and sellers and, if necessary, an attorney. Include phone numbers, emails, addresses and business numbers of all individuals.