Tools & Resources
Everything you need to estimate costs, download necessary forms, and understand the title process.
Calculators
Estimate your title insurance premiums, transfer taxes, and other closing costs using industry-standard tools.
Open Rate CalculatorDownload Forms
Access commonly used legal documents, Affidavits, ACRIS forms, and state-specific taxation sheets.
View Document LibraryFrequently Asked Questions
Comprehensive answers regarding home buying and the title insurance process.
Title insurance serves as a protective measure for a buyer's ownership rights over a property. It offers safeguards against potential legal challenges stemming from previous illegal or erroneous title transfers, covering legal expenses and associated judgments.
It safeguards against concealed risks like fraudulent impersonation of the rightful owner, forged documents, undisclosed/missing heirs, errors in document recording, and liens for unpaid taxes.
It is not legally mandatory for cash purchases, though highly recommended to prevent potential losses. If the property is mortgaged, lenders typically require a lender's title insurance policy to protect their financial interests.
We initiate necessary public record searches, conduct an intricate title examination, issue a title commitment detailing coverage and requirements, clear any identified title issues, and finally issue the policy after the single premium is paid at closing.
Despite meticulous searching, there's always a chance that a discrepancy may go unnoticed. There could also be latent defects that cannot be identified during a records search, such as forged signatures or misfiled liens.
We are heavily focused and licensed in NY and NJ, but we are also licensed to transact on deals nationwide via our extensive network of underwriting partners.