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When you are purchasing a new property, you should have a full title search completed on the property you are purchasing. This will show the Property Ownership, Liens and Encumbrances, Easements and Restrictions, Legal Description of the property, Judgement and Court Orders, Pending Litigations, Deed History, Survey Records, Tax Information, Bankruptcy Filings, Mechanic's Liens, Probate and Inheritance Tax concerns, Historical Records and much more. If you are unsure about any of these items, you can ask questions and we are happy to explain.

Purchase transaction

Title insurance protects the homeowner and also the mortgage lender, so even if you are using the same lender that you used when purchasing your home, they will require a new title search to be performed. Since a refinance loan is a brand-new loan, the lender wants to make sure that the investment is protected. Even if you have only lived in your home for a few months, a lot could have happened, and the lender wants to cover all the bases before entering into a new deal. By requiring a new title search as a condition of refinance, your mortgage lender is looking to see if any liens or judgments have been recorded against you during the time in between.