You can feel confident that your interests, and your home, are protected. Our title services guard you from unexpected claims. We will research the prior ownership history of the real estate, arrange and coordinate closing or settlement and give you the option to purchase an Owners Policy of Title Insurance. Our local partner, Lawyers Title, has extensive title, legal and closing experience and will facilitate a timely and smooth closing.

About Title Searches:

A title search is performed to determine if the seller has a saleable interest in the property; and if any liens exist on the property which need to be paid off at closing (mortgages, back taxes, mechanic's liens, or other assessments).

A title report also shows any easements or recorded legal rights to the property or portions of the property. For example, a previous owner may have legally given a neighbor the right to share the driveway, or the city may have a right to strips of the property for power, water or sewer lines.

A title search generally includes:

• Property lien search.
• Search for easements, covenants, conditions and restrictions.
• Search for liens against the owner and the other parties on title.
• Search for bankruptcy proceedings against the owner of the property.

About Closing

Closing or Settlement is the final step in a real estate transaction. The closing date is set during the negotiations for the home purchase. It is customary in the Greater Cincinnati, Northern Kentucky and Southeastern Indiana market for which all parties including the real estate agents to meet for the closing presided over or supervised by a lawyer or title agent. The transfer of money (in the form of certified funds) and the property takes place, and the deed is then recorded by the title company.

Several things happen:

• The buyer (or buyers lender) delivers a check for the purchase price.
• The seller signs the deed over to the buyer and possession is established.
• The seller receives a check for the proceeds of the sale.
• A title company or lawyer registers or records the deed.

About Title Insurance

A Lender's Title Insurance Policy is required by most lending institutions and protects only the lender and not the buyer. It protects a lender from any defects of title and insures that their mortgage is the first and best lien against the real estate.

Additionally, the home buyer can purchase Owners Title Insurance which protects the buyer from any title problems that may arise after sale (such as liens that were missed during the search).

Title Insurance can protect against:

• Mistakes in public records.
• Fraudulent acts.
• Misinterpretation of wills.
• Claims of creditors against real estate sold by heirs.
• Forged deeds, mortgage releases and other documents.
• Claims by children born or adopted after the date of the will.
• Claims previously undisclosed by heirs.
• Administration of estates of persons absent but not deceased..
• Deeds by minors, aliens or persons of unsound mind.
• Descriptions of property that appear to be accurate but are not.

Contact a HUFF TITLE Representative

First Name	Last Name	Phone	E-mail
Nejela	Frye	513-265-0278	NFrye@huff.com
Mona R.	Sammons	513-675-4159	MSammons@huff.com
Linda	Stelzer	859-907-3712	LStelzer@Huff.com
Karla	Studer	513-617-0877	kstuder@Huff.com

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