Insurance services

TITLE INSURANCE POLICIES

Title insurance is needed to protect possibly the most important investment you’ll ever make- the investment in real estate.

When you buy real estate you are given title to the property, which generally means you receive full legal ownership.  There can be hidden defects in the title that you receive, for example a prior deed, will or mortgage may give someone else a valid legal claim against your property.  Title insurance protects you if a defect is found in the title to your real estate.

Cooperative Certifications

Cooperative Certification protects against loss or damage for the failure to report any recorded or filed lien or encumbrance for which a search has been made.  If you purchase or refinance a cooperative unit, your lender will typically require a Cooperative Certification to protect against liens.

HELOC Certifications

A HELOC is a home equity line of credit that you obtain using your home as collateral.  Your lender approves you for a credit line in a certain amount and provides you with checks or a credit card for you to tap into the money.

In obtaining approval for a HELOC, you will need a HELOC Certification to disclose any mortgages or liens on your home and to certify against loss or damage.