Title Search

In depth

A title search reviews deeds, mortgages, judgments, tax records, and other recordings going back at least 40 to 60 years. The search produces a title commitment listing requirements and exceptions for issuing title insurance. Misconception: a title search does not guarantee perfect title; only title insurance pays for losses if a defect appears. Practically, in seller-financed transactions, both the buyer and the seller as lender should require a title search and obtain title insurance. The title search reveals existing mortgages that must be paid off or wrapped, judgment liens, child support liens, and tax liens. FSBO sellers should run a title search before listing to identify and clear any defects, reducing closing surprises. Title companies typically perform searches as part of their closing services.