Our Services

Our Services

Premier Title & Closing Services, Inc. (Premier Title) offers a wide variety of services and the excellent customer support that our customers and professional partners expect and deserve.

About Title Insurance

A Title Insurance Policy insures that as the new owner, your title for the property is free and clear of any possible encumbrances, and that you have clear title from the seller. A title insurance policy insures that you will stand protected from loss or damage as a result of any title defects.  Some possible encumbrances include protection from forged documents, mistakes in public records, fraud and incorrect property descriptions.  Premier Title will provide a thorough search of the public records to reveal possible liens, claims or encumbrances against the property.
There are two primary types of title insurance policies:

• The Owner's Policy
  The Owner's Policy is issued to the new Owner, guaranteeing that the Title to the property they are purchasing, is delivered to them without any restrictions or encumbrances.
  
• The Lender's Policy
  The Lender's Policy is issued when there is a Mortgage Lien to be issued on the Property. It guarantees that the title to the property for which they are lending funds is free and clear of any encumbrances.

Escrow/Closing Services

As an Escrow Agent, Premier Title is a neutral third party who can carry out the instructions in a purchase agreement between the buyer and seller or the borrower in a refinance situation.  We can also handle all of the disbursements associated with the closing.

We offer three primary types of Escrow closings:

• Purchase/Sale
  Involving both a buyer and a seller, you can count on Premier Title to provide the highest quality service and attention to the details whether you're the realtor, attorney, lender, builder or developer.
  
• Refinancing
  Refinancing is the process of obtaining new lender financing on a property.  There are several reasons to Refinance.  The most common is when the initial financing was at a much higher interest rate thus refinancing at a lower interest rate would reduce the monthly payments.   
• Commercial
  Premier Title has some of the best commercial closers in the area.  We are experienced on all types of commercial closings.

 Letter Reports and Extended Letter Reports

Letter Reports provide no insurance but give a description of your property, show ownership, real estate tax information, liens and judgements.

Location Survey

Mortgage Location Surveys are normally required by the lender in order to obtain additional coverage against encroachments on the property.

1031 Exchange

A 1031 Exchange is an IRS provision, which allows the owner of a property to exchange their property for another of like kind while deferring payment of state and federal capital gains taxes.