North Georgia Title handles real estate purchase transactions. We are willing and available to work with all realtors and lenders in the area. We also handle "For Sale By Owner" transactions. We prepare and explain all documents required for your closing, make sure that all requirements are met to provide insurable title, collect and pay all liens, and record your documents with the appropriate courthouse.
With the assistance of the law firm of Bradford & Lockhart, P.C., we provide document preparation services relating to Georgia property. We prepare deeds of conveyance (including Warranty Deeds, Quit-Claim Deeds, and Executor's Deeds), promissory notes, security instruments, and cancellations.
We write title insurance for Stewart Title Guaranty Company.
What is Title Insurance?
Title insurance policies protect the interests of both property owners and mortgage lenders on residential and commercial resale, new construction and refinance transactions.
Title insurance for property owners, called an Owner’s Policy, is usually issued in the amount of the real estate purchase. It is purchased for a one-time fee at closing and is valid for as long as the owner or his heirs have an interest in the property. Only an Owner’s Policy fully protects the buyer should a covered title problem arise with the title that was not found during the title search. Possible hidden title problems can include:
Title insurance for mortgage lenders title insurance is called a Loan Policy. Most lenders require a Loan Policy when they issue a mortgage loan. The Loan Policy is usually based on the dollar amount of the loan and it protects the lender’s interests in the property should a problem with the title arise. It does not protect the buyer.