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  Escrows

  Basically, “escrow” means that an impartial third party will retain funds or documents until the obligations stipulated in the contract are met. This arrangement will allow both buyers and sellers to communicate regarding large transactions. Make the most out of these transactions with help from our professionals.

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  Title Insurance

  There are two types of Title Insurance. Your lender will require that you purchase a Lender’s Policy. This policy only insures that the financial institution has a valid, enforceable lien on the property. Most lenders require this type of insurance, and typically require the borrower to pay for it.

  An Owner’s Policy on the other hand is designed to protect you from title defects that existed prior to the issue date of your policy. Title troubles, such as improper estate proceedings or pending legal action, could put your equity at serious risk. If a valid claim is filed, in addition to financial loss up to the face amount of the policy, your owner’s title policy covers the full cost of any legal defense of your title.

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  Title and Lien Searches

  The title basically asserts your legal right to possess a particular real estate property and use it within the limitations and restrictions set by authorities or by the previous owners. There may be items clouding title that can affect the new buyer or lender, therefore, title searches are performed to see any items that may be clouding title such as mortgages, federal tax liens, code lien, etc. For your convenience we offer rush services at no extra charge so that this may be received within 24 hours. 

  In addition, a lien search is requested to verify if the city or the county have any items that may become a lien or carry with the property such as code violation, citations, permits, utility bills etc. The time frame on these searches rely on the city and county turnaround but at Top Tier Title  our professionals request this the same day request is received and advise all parties as to the time frame.

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  HUDs & CDs

  A Closing Disclosure A/K/A CD is a standard form wherein all services and fees charged to the borrower/buyer by the lender are itemized. When a seller is involved they too receive a CD but does not disclose any of the buyer’s private information such as interest rates and mortgage payments. 

  A HUD/Settlement Statement is used on all cash transaction and hard money lenders that are not regulated by TRID. 

  Our professionals here at Top Tier Title  can work efficiently in verifying and confirming the escrow deposits for taxes, commissions, and loan fees, among many others.

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  Closings

  Although we insure titles in Florida, Top Tier Title  will close you anywhere in the United Stated of America. We also accommodate to remote, after-hour and weekend closings. Our team of professionals work diligently to protect all parties interest in closing and disburse file soon after closing.

*SALES REPRESENTATIVE POSITIONS AVAILABLE

*NETWORKING SPONSORSHIPS TO INCREASE YOUR BUSINESS

• ESCROW SERVICES
• OWNER’S AND LENDER’S TITLE INSURANCE
• REMOTE AND AFTER HOUR CLOSINGS FACILITATED IN THE STATE OF FLORIDA
• PRE-CDS PREPARED WITHIN 1 HOUR FROM THE TIME OF REQUEST
• FRIENDLY AFTER HOUR ASSISTANCE
• FLEXIBLE PRICING TO MEET CLIENT’S NEEDS
• SALES REPRESENTATIVE POSITIONS AVAILABLE
• NETWORKING SPONSORSHIPS TO INCREASE YOUR BUSINESS