Title Insurance = Peace of Mind

Searching for a mortgage loan? We'd be thrilled to discuss our many mortgage solutions! Call us at (314) 628-2218. Want to get started? Apply Now.

Purchasing a home is likely the single largest investment you will make in your lifetime. Before you close, you'll want to know that no individual or entity has a right, claim or lien to the property.

A title insurance company ensures that your new home doesn't carry expensive encumbrances and other legal obstacles.

For a modest, one-time title insurance premium, you will receive continuous title insurance protection equal to the purchase price of the property or its current market value.

The title company searches the property's title history. The title company can almost always identify any title problems that may arise and have these problems cleared-up before you close on the property.

Real Estate law is extraordinarily complicated. Title companies make sure that all the T's are crossed and all the I's are dotted so you don't end up with a clouded title and legal problems. Your owner's policy will describe the property and outline any recorded limitations on your ownership. It will also cover what the title insurance company is responsible for. Typically your title insurance will protect you in the following cases:

  • Contested title — Someone, usually a previous owner or occupant, claims they still own the property or have not given up their claim. If this happens, the title company will defend your title at no expense to you.
  • Defective title — "Defective title" covers any number of problems with the title to your home. It can even include a "contested title". Defects are rare, but they can be very difficult, making the property inaccessible, unable to be built, or unsaleable. Many other complicated problems define "Defective title" or "Clouded Title." The title insurance company will find these title problems, or should they miss them, protect you from financial loss - up to the amount of the policy.
USA Mortgage can walk you through the pitfalls of getting a mortgage. Call us at (314) 628-2218.

Got a Question?

Do you have a question? We can help. Simply fill out the form below and we'll contact you with the answer, with no obligation to you. We guarantee your privacy.

Your Information
Your Question