Key Takeaways: A title search examines the legal history of a property to identify ownership rights, liens and other issues that could affect your ability to take clear ownership. It is a standard part of most real estate transactions, and title insurance can help protect against certain defects that may not surface during the search.
What is a title search and why does it matter?
A title search reviews the public records associated with a property to confirm who legally owns it and whether any claims, liens or restrictions attach to it. For buyers, this matters because hidden issues can delay closing or affect your ownership after the sale. Understanding what the search covers helps you ask the right questions before you commit.
What does a title search actually look for?
The search typically examines the chain of ownership to confirm the seller has the right to transfer the property. It also looks for outstanding liens such as mortgages, tax liens, mechanic's liens or judgments that could attach to the home. It may identify easements, restrictions or other encumbrances that affect how the property can be used.
How can title issues affect a buyer?
Unresolved title issues can delay closing, require additional documentation, or in some cases prevent a clean transfer of ownership. Some issues can be resolved before closing, while others may require negotiation or legal work. Knowing about these issues early gives you time to address them rather than discovering them at the closing table.
What is title insurance and do I need it?
Title insurance helps protect against certain defects that may not be discovered during the title search, such as recording errors or undisclosed heirs. Lenders typically require a lender's policy, and an owner's policy can protect your interest in the property. Your title professional can explain the coverage and options available.
How does Jerry's title experience help buyers?
Jerry's previous title-company experience gives him familiarity with this part of the process — another piece of the transaction he understands from the inside. He can help you understand what the title search covers and frame questions for your title professional, while still recommending licensed professionals for the actual work.
Have questions about your situation? Jerry helps buyers, sellers and investors across Northern Utah make informed decisions.
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Jerry Hernandez
Jerry Hernandez is a Northern Utah real estate professional whose experience spans real estate, title, mortgage lending, property investing and construction — giving him a broader perspective on every part of a transaction.
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