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Title Search
What Is a Title Search?
A title search is a review of public records to confirm legal ownership of a property and identify any claims, liens, or restrictions.
It verifies that the seller has the legal right to transfer ownership.
Why It Matters in a Mortgage
Lenders require a clean title before funding a loan.
A title search identifies:
- Outstanding liens
- Property tax issues
- Ownership disputes
- Easements or restrictions
Without resolution of title issues, closing cannot proceed.
How It Works
A title professional reviews:
- County property records
- Tax records
- Court filings
Findings determine whether the property can be transferred cleanly.
Title Search vs. Title Insurance
Search → Identifies issues
Insurance → Protects against undiscovered defects
FAQs About Title Searches
Who orders the title search?
Typically the lender or title company.
Can title issues delay closing?
Yes.
Are searches required for cash purchases?
Often recommended.
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