Title Insurance Services

While lender's title insurance is typically required by your mortgage company, owner's title insurance is optional but highly recommended. It protects your equity in the property and covers legal expenses if someone challenges your ownership. Without it, you could lose your entire investment if a title defect is discovered after closing.

Title insurance is a one-time premium paid at closing. The cost varies based on the property's purchase price and is regulated by New York State. Unlike other types of insurance, there are no monthly premiums—you pay once and have coverage for as long as you own the property. Contact us for a personalized quote.

Lender's title insurance protects your mortgage lender's investment and is required for most home loans. Owner's title insurance protects you, the homeowner, and your equity in the property. Lender's coverage decreases as you pay down your mortgage, while owner's coverage remains in effect for as long as you own the property.

A typical title search takes 7-14 days, though it can be faster for straightforward properties or slower if complex title issues are discovered. We work efficiently to keep your transaction on schedule while ensuring thorough examination of all records. Same-day service may be available for urgent situations.

If we discover a title issue during the search, we work diligently to resolve it before closing. This might involve clearing old liens, correcting errors in public records, or obtaining releases from previous owners. Most title issues can be resolved, and we guide you through the entire process. If an issue cannot be cleared, you would typically not proceed with the purchase.