What You Don’t Know Can Cost You.
You want title insurance in Texas because it protects your ownership of the property. Title insurance insures against financial loss caused by defects in title to real estate.
Why Title Insurance Matters in Texas
It protects you against loss due to title defects, liens, or other similar matters such as:
- Invalid documents due to forgery, fraud, undue influence, duress, incompetency, incapacity, or impersonation.
- Failure of any person or entity to have authorized a transfer or conveyance.
- A document affecting title that is not properly executed, signed, witnessed, notarized, or delivered.
- Undisclosed or unrecorded easements not otherwise apparent on your land.
- No right of access to and from the land.
- A document executed under a falsified, expired, or otherwise invalid power of attorney.
- A document not properly filed, recorded, or indexed in the public records.
- Ownership claims by undisclosed or missing heirs.
- Defect arising from an improper prior foreclosure.
- Undisclosed restrictive covenants affecting your property
- Any statutory or constitutional contractor’s, mechanic’s, or materialman’s lien for labor or materials that began on or before the policy date. Talk to an attorney about your rights.
- Lien for labor or materials furnished by a contractor without your consent.
- A previous owner failed to pay
- a mortgage or deed of trust
- a judgment, tax, or special assessment
- a charge by a homeowners or condominium association.
- Other liens or claims that may exist against your title that are not listed in the policy
For Home Buyers:
What to Expect
Before Closing
- Coordinate with your lender to meet all loan requirements.
- Arrange for homeowner insurance and utility connections.
- Discuss remote or in-person signing options with your Closer.
What to Bring
- Certified funds or wire transfer of closing funds.
- Valid Government-issued photo ID.
- Any documents required by your lender.
On Closing Day
- Review and sign your final settlement statement.
For Home Sellers:
What to Expect
What to Bring
- Valid Government-issued photo ID.
- Bank info for wire transfer of proceeds (if applicable).
On Closing Day
- Buyer signs and funds the transaction.
- Your Closing Team confirms disbursement with you and your agent.
- You receive copies of all signed documents.
Let's Make Your Closing Worry-Free
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