Top Title Concerns When Buying Property in Dearborn, Michigan

Oct 30, 2025 DJ Peterson 0 Comment

Top Title Concerns When Buying Property in Dearborn, Michigan

Buying a home is a major financial and emotional investment, and in a city like Dearborn — which combines older neighborhoods, industrial-era properties, and evolving zoning landscapes — it pays to be vigilant about title issues. Below are some of the most important title concerns you should address before closing on your next property.

1. Outstanding Liens & Unpaid Taxes

One of the most common title pitfalls in Michigan real estate is discovering liens or unpaid tax obligations attached to the property. A thorough title search will reveal if the property has outstanding mortgages, judgments, tax liens, or other encumbrances. Paul Beck+2Noble Path Legal+2
In Dearborn, a buyer must ensure that any such debts from prior owners are satisfied or addressed at closing. Without doing so, you could inherit a financial liability.

2. Fraudulent or Improper Deeds & Chain of Ownership

Title issues frequently stem from errors in recording deeds, forged signatures, missing heirs, or undocumented transfers. In Michigan, the title work must trace a clean chain of ownership. Schlender Law PLC+2Meroueh & Hallman LLP+2
In the Dearborn market, where many properties may have decades of history, even a clerking recording mistake or a missing heir can raise serious issues. It pays to demand a complete title examination and to understand how the current owner acquired the property.

3. Easements, Survey Discrepancies & Boundary Disputes

Whether it’s driveway easements, utility access, encroachments, or incorrect lot lines, boundary matters are a frequent source of dispute. The title may look clean, yet an unrecorded easement or a neighbor’s encroachment could affect your use. LegalMatch Real Estate Lawyers+1
Given the age and development history of some Dearborn subdivisions and parcels, it’s wise to order a recent survey and review any recorded easements or building encroachments before you commit.

4. Undisclosed Heirs or Failed Probate

Imagine buying a property only to find years later that someone else claims an ownership interest. In Michigan, if a former owner passed away without clearly transferring title through probate or inheritance, the title can be unsettled. Noble Path Legal+1
In Dearborn, especially for older homes, verifying that ownership was properly transferred at each stage (including by will or estate) helps avoid nasty surprises.

5. Zoning, Use Restrictions & Historic District Impacts

Though not always characterized as a “title defect,” restrictions on property use — whether from city zoning, historic?district overlay, or homeowners’ associations — can significantly affect a buyer’s rights. For example, if the home lies in a historic district in Dearborn (e.g., Springwells Park Historic District), you may be subject to additional review for exterior changes. Wikipedia
Confirm how the property is classified, what use is permitted, and whether there are special assessments or restrictions tied to ownership.

6. Title Insurance & What It Covers

Given the risks above, title insurance becomes an essential tool. In Michigan, the buyer (or seller, by custom) can purchase an owner’s policy that protects the buyer from past defects, plus a lender’s policy to protect the mortgage provider. Michigan+1
Key things to check:

What exactly does the owner’s title policy exclude?
Are there known defects that the title company is excluding?
If closing is delayed, are there interim requirements?
Ensuring you safeguard your investment with the correct policy is critical.

7. Special Considerations for Dearborn Area Properties

Older housing stock: Many homes in Dearborn were built in the mid-20th century or earlier; older transfers may have documentation gaps.
Industrial & commercial adjacency: Some residential properties may adjoin or lie near commercial/industrial zones or old utility easements, complicating title reviews.
Municipal overlays & assessments: Dearborn has seen redevelopment and public?works initiatives; make sure there are no pending special assessments or city liens tied to the parcel.
Neighborhood evolution: What was once a single?family district may be rezoned or subject to density change — check zoning history and how the title reflects current use.

8. Steps for the Buyer in Dearborn to Mitigate Risk

Hire a title company with experience in Wayne County/Dearborn real estate.
Request a full title search plus a recent survey of the property.
Review the title commitment carefully: ask about any remaining exceptions and how they will be handled at closing.
Ensure the owner’s title insurance is issued at closing (rather than after).
Check for any pending assessments or homeowner association obligations.
If anything arises (undisclosed heirs, boundary disputes, or missing chain of title), consult a real estate attorney experienced in Michigan property law. Hirzel Law+1
Insist that any discovered defects be cured or addressed in the sales contract (e.g., seller must clear liens before closing) or be comfortable with the risk (if you purchase with exclusion).

9. Why this Focus Matters

What looks like a straightforward purchase can become a financial and legal quagmire. Without proper title work, buyers may find themselves defending ownership, paying off liens they did not know about, or dealing with neighbor encroachments. Michigan attorneys consistently emphasize the importance of proper title work in real estate transactions. Paul Beck
In the competitive market around Dearborn, prudent buyers stand out by verifying title early and delaying closing for due diligence rather than rushing into it unprepared.

Conclusion

Buying property in Dearborn offers many advantages — mature communities, strong infrastructure, proximity to metro Detroit amenities — but it also carries risks, particularly on the title side. By being aware of common issues — from unpaid liens, to survey discrepancies, to chain-of-title irregularities — and by securing appropriate protection via title insurance and legal advice, you position yourself to purchase with confidence. If you’re purchasing for the long term, these extra steps are minimal cost compared to the potential headaches of a title dispute years down the road.

Learn more about our comprehensive title insurance services here.

Thank you for reading! If you enjoyed this article and want to explore more content on similar topics, check out our other blogs at Sonic Loans, Sonic Realty, and Sonic Title. We have a wealth of information designed to help you navigate the world of real estate and finance. Happy reading!

Top Title Concerns When Buying Property in Dearborn, Michigan

DJ PetersonOctober 30, 2025

Top Title Concerns When Buying Property in Dearborn, Michigan Buying a home is a major...

Homebuying in Dearborn: Why Title Insurance Matters

DJ PetersonOctober 28, 2025

Homebuying in Dearborn: Why Title Insurance Matters Buying a home in Dearborn, Michigan, is one...

Title Insurance in Divorce Situations

DJ PetersonOctober 23, 2025

When a marriage ends, property division becomes a central, and often complex, issue. One of...

Technology Tools in Modern Title Companies

DJ PetersonOctober 21, 2025

In the fast-moving world of real estate closings, title companies are no longer simply “paper...

Training Standards for Title Professionals: Building Trust, Accuracy, and Compliance

DJ PetersonOctober 16, 2025

In the world of real estate, few roles carry as much responsibility as that of...

Handling Title Insurance for Inherited Properties

DJ PetersonOctober 14, 2025

Inheriting a property can be both a blessing and a complex legal process. While it...

How Title Companies Protect Buyers from Hidden Liens

DJ PetersonOctober 9, 2025

When purchasing a home, most buyers focus on price, location, and mortgage rates—but one of...

How to Transfer Property Title in Michigan

DJ PetersonOctober 7, 2025

Transferring the title to real property in Michigan may seem complex, but with careful planning...

The Step-by-Step Closing Process Explained

DJ PetersonOctober 2, 2025

Buying or selling a home is an exciting milestone, but the final stretch—the closing process—often...

Uncategorized

Homebuying in Dearborn: Why Title Insurance Matters

Oct 28, 2025 DJ Peterson 0 Comment

Homebuying in Dearborn: Why Title Insurance Matters

Buying a home in Dearborn, Michigan, is one of the most exciting financial milestones you can achieve. The city’s unique blend of history, community spirit, and growing real estate market makes it an attractive location for first-time homebuyers, growing families, and seasoned investors alike. However, amidst all the excitement of finding the perfect property, there’s one crucial step that often gets overlooked — title insurance.

Title insurance may not seem as exciting as getting your keys or decorating your new living room, but it plays a vital role in protecting your ownership rights. In Dearborn’s diverse real estate market, where older homes and multi-generational ownership are common, title insurance safeguards you from potential legal and financial issues tied to the property’s history.

Let’s explore what title insurance is, why it’s so important for Dearborn homebuyers, and how it can save you from unexpected problems long after closing day.

What Is Title Insurance?

Title insurance is a specialized form of protection that ensures your ownership rights to a property are valid and secure. When you buy a home, you receive a “title” — a legal document that proves you own the property. Before the sale is finalized, a title company conducts a detailed title search to uncover issues such as unpaid taxes, liens, boundary disputes, or prior ownership claims.

Even with a thorough title search, some problems can remain hidden. For example:

A missing signature on a past deed
An undisclosed heir claiming ownership
Errors in public records
Fraudulent or forged documents

Title insurance protects you against these unforeseen issues by covering the legal costs and potential financial loss if someone challenges your ownership later.

How Title Insurance Works

There are two main types of title insurance:

Owner’s Policy – Protects the homeowner’s interests for as long as they own the property.
Lender’s Policy – Protects the mortgage lender’s investment in the property until the loan is paid off.

When you buy a home in Dearborn, your lender will almost always require a lender’s title insurance policy. However, the owner’s policy is optional — but strongly recommended. It’s a one-time cost paid at closing, and it provides peace of mind that your largest investment is protected for as long as you own your home.

Why Title Insurance Matters in Dearborn

Dearborn has a rich real estate history that stretches back nearly a century. Many neighborhoods are filled with homes that have changed hands multiple times or have been passed down through generations. This makes title clarity especially important.

Here’s why title insurance is critical for Dearborn homebuyers:

1. Older Homes Mean Longer Ownership Chains

In areas like East Dearborn and the Aviation Subdivision, it’s common to find homes built in the 1930s and 1940s. Each transfer of ownership adds another link to the property’s legal chain. The longer that chain, the greater the chance of errors or missing documents in public records.

Title insurance protects you from issues that could arise decades later — such as an unrecorded lien from a previous owner or an old mortgage that was never officially discharged.

2. Complex Property Histories

Dearborn’s neighborhoods often include properties that have been refinanced, subdivided, or remodeled multiple times. With each transaction, there’s a possibility of paperwork mistakes or filing errors.

A simple clerical error — like a misspelled name or an incorrect property description — can cause major headaches. Title insurance ensures those errors don’t turn into financial losses for you.

3. Heirs and Estate Transfers

Because many Dearborn properties are passed down through families, inheritance disputes can surface unexpectedly. A distant relative might claim partial ownership, or a previous heir could argue that the transfer of the deed was invalid.

Without title insurance, you would be responsible for defending your ownership in court — a process that can be costly and stressful. An owner’s title policy covers legal defense costs and any financial loss you might suffer if a court rules against you.

4. Protection Against Fraud and Forgery

Real estate fraud has become more sophisticated, and even the most diligent homebuyers can fall victim. Fake documents, forged signatures, or identity theft can all lead to fraudulent property sales.

In Dearborn, where property values continue to rise, scammers sometimes target vacant or transitioning homes. Title insurance helps protect you from financial loss if it turns out the person who sold you the home wasn’t legally authorized to do so.

Real-Life Scenarios Where Title Insurance Saves the Day

Consider these real-world examples:

A Dearborn Heights buyer purchased a home only to discover an unpaid property tax from the 1990s. Title insurance covered the cost, saving the homeowner thousands of dollars.
A couple in West Dearborn bought a property that was later claimed by an heir who had not been properly notified of the estate sale. Their title insurance policy covered legal defense and protected their ownership rights.
Another buyer found that a contractor’s lien had been filed against the property just before closing — something the title company missed during the initial search. Title insurance handled the claim without affecting the new owner.

These cases highlight how title insurance acts as a safety net for homebuyers — ensuring that unexpected claims don’t threaten your investment.

The Cost of Title Insurance vs. the Risk of Not Having It

One of the best parts about title insurance is that it’s a one-time premium paid at closing, not a recurring expense. The cost typically ranges between 0.5% to 1% of the home’s purchase price, depending on the property’s value and the title company you choose.

For a $250,000 home, that might mean paying around $1,000–$2,000 for peace of mind that lasts as long as you own your home.

Compare that to the potential cost of a title dispute — which can easily reach tens of thousands of dollars in legal fees and settlements — and title insurance quickly proves to be a smart investment.

Choosing a Title Company in Dearborn

When purchasing a home, your real estate agent or lender will typically recommend a title company. However, you have the right to choose your own.

When comparing title companies in Dearborn, consider the following:

Experience and Reputation: Look for companies that have been serving Dearborn for years and are familiar with local property records.
Transparency: Ask for a clear explanation of fees and what’s included in your policy.
Communication: Choose a company that’s responsive and willing to explain each step of the title search and closing process.

Many trusted title agencies in the Dearborn area also work closely with local lenders and real estate agents to ensure smooth closings.

Final Thoughts: Protecting Your Piece of Dearborn

Dearborn’s housing market continues to thrive, offering buyers a range of opportunities — from classic bungalows to modern new builds. But no matter where you choose to settle, protecting your investment with title insurance is essential.

It’s not just another closing cost — it’s a shield against hidden risks that could jeopardize your ownership. In a city where homes carry generations of history, title insurance ensures that your story begins on a foundation of security and peace of mind.

Learn more about our comprehensive title insurance services here.

Top Title Concerns When Buying Property in Dearborn, Michigan

DJ PetersonOctober 30, 2025

Top Title Concerns When Buying Property in Dearborn, Michigan Buying a home is a major...

Homebuying in Dearborn: Why Title Insurance Matters

DJ PetersonOctober 28, 2025

Homebuying in Dearborn: Why Title Insurance Matters Buying a home in Dearborn, Michigan, is one...

Title Insurance in Divorce Situations

DJ PetersonOctober 23, 2025

When a marriage ends, property division becomes a central, and often complex, issue. One of...

Technology Tools in Modern Title Companies

DJ PetersonOctober 21, 2025

In the fast-moving world of real estate closings, title companies are no longer simply “paper...

Training Standards for Title Professionals: Building Trust, Accuracy, and Compliance

DJ PetersonOctober 16, 2025

In the world of real estate, few roles carry as much responsibility as that of...

Handling Title Insurance for Inherited Properties

DJ PetersonOctober 14, 2025

Inheriting a property can be both a blessing and a complex legal process. While it...

How Title Companies Protect Buyers from Hidden Liens

DJ PetersonOctober 9, 2025

When purchasing a home, most buyers focus on price, location, and mortgage rates—but one of...

How to Transfer Property Title in Michigan

DJ PetersonOctober 7, 2025

Transferring the title to real property in Michigan may seem complex, but with careful planning...

The Step-by-Step Closing Process Explained

DJ PetersonOctober 2, 2025

Buying or selling a home is an exciting milestone, but the final stretch—the closing process—often...

Uncategorized

Title Insurance in Divorce Situations

Oct 23, 2025 DJ Peterson 0 Comment

When a marriage ends, property division becomes a central, and often complex, issue. One of the less-discussed but crucial aspects of this process involves title insurance — the protection that ensures property ownership is clear and secure. In divorce situations, title insurance plays a unique and vital role. Understanding how it works, why it matters, and what steps must be taken can help divorcing couples avoid costly surprises.

What Is Title Insurance?

Although many people think of insurance in terms of future events, title insurance is a distinct concept. In broad strokes, title insurance protects a real-estate owner (or a lender) against defects, liens, encumbrances, or other issues in the property’s chain of title that existed prior to purchase — or sometimes that emerge later. Wikipedia+1 It is a one-time premium paid at closing, and it remains in effect as long as the owner (or lender) has an interest in the property.

In a divorce scenario, the stakes rise because the property’s ownership status is changing (or should change), liens may surface, and the formerly married couple must ensure that title and title insurance properly reflect the new reality of who owns what and who is protected.

How Divorce Impacts Title and Title Insurance

Ownership transfer and recording requirements

When a divorce judgment awards a certain spouse the marital home (or assigns it wholly to one party), ownership must be correctly transferred and properly recorded. According to one guide:

“For a divorce decree to officially transfer title between spouses, it must include language that specifically grants the property to one spouse and divests the other spouse of any and all interest in the property. … The decree must contain the legal description of the property, not just the physical address.” Texas National Title+1

What that means is: even if a divorce decree says “Spouse A gets the house,” it might not be sufficient for a title insurer unless the legal description is included and the ex-spouse is clearly divested. If not, the title insurer may require a deed from the ex-spouse or other documents to clear title. rattikintitle.com+1

Title companies’ scrutiny of divorce decrees

Title companies are aware that the title remains vulnerable until the exact interests and encumbrances are resolved. One article explains:

“Title companies generally have certain requirements that must be met before the title to a property can be changed between divorced spouses.” Vanguard Title Company

These requirements often include a final (non-appealable) divorce decree, a proper legal description, evidence that any liens/claims of the former spouse are addressed, and recorded documentation. Without those, the title insurer may refuse to issue a new policy or may impose exceptions. For example, a decree entered less than 30 days before closing may not be considered final by the title company. Texas National Title+1

Liens, judgments, and unaddressed spouse interests

In a divorce, even if one spouse is awarded the property, the home may still be subject to previously existing liens, judgments, or claims against the former spouse. One article warns:

“The spouse awarded the property … may have taken that interest subject to the lien against their ex-spouse — meaning the lien still applies to the property unless the remaining owner is able to get a partial release of lien.” Vanguard Title Company

If title insurance is not updated, or if the decree didn’t clear those possibilities, the retaining spouse may later find themselves responsible for claims they thought were resolved.

Title insurance policy updates and owner’s protection

After a divorce, the title insurance policy — whether originally held by both spouses or one — may need to be updated. One resource states:

“Divorce, like marriage, significantly impacts property ownership and title insurance … Homeowners must take appropriate steps to update ownership records and insurance policies to reflect changes in ownership during or after a divorce.” Landtrust Title Services

The practical implications are: if the ex-spouse’s name still appears on the title, that spouse may still have rights; and if a lender’s policy remains unchanged, the remaining spouse bears more risk.

Why Title Insurance Matters in Divorce

Protecting future sales or refinancing. If ownership isn’t settled, the ex-spouse may claim interest, delaying or jeopardizing a sale or refinance. Title insurance that’s up-to-date helps ensure no surprise claims later.
Clarity of ownership. Title insurance and proper recording ensure the spouse keeping the home has a clean title — vital for peace of mind and for legal, tax, and financial planning.
Mitigating risk from hidden claims. For example, judgments against the ex-spouse could attach to the property. A current title insurance policy reduces exposure.
Supporting the transfer process. Title insurance companies often verify that the divorce decree and recording meet their standards; that alone helps ensure the transfer is properly executed, avoiding future headaches.

Practical Steps for Couples (and Their Advisors)

Review the divorce decree: Ensure it contains explicit language awarding the property to one spouse, divesting the other spouse, and includes the full legal description. Without this, title insurance may not accept the decree as a sufficient transfer. Texas National Title
Record the appropriate deed: Even if the decree transfers ownership, many title companies recommend also recording a deed (such as a warranty or quit-claim) to remove ambiguity. rattikintitle.com+1
Check for liens or judgments: Investigate whether the ex-spouse has judgments, tax liens, or other encumbrances that could attach to the property, and obtain releases or payoffs as needed. Vanguard Title Company+1
Update title insurance policies: Contact the title insurer or your title company to inform them of the change in ownership, and determine whether a new owner’s policy or endorsement is needed. Landtrust Title Services
Coordinate with your lender: If there is a mortgage, the staying spouse may need to refinance to release the other spouse. The lender will often require a clear title and a clean policy. Hello Divorce
Timing matters: In many jurisdictions, the divorce decree must be final (i.e., no appeal pending) before title insurance can be issued. Expect delays if closing/selling/refinancing is planned around the date of entry of divorce. Texas National Title+1

Special Issues to Watch

Purchase of new property during a pending divorce: If one spouse acquires property while still married, the property may be presumed marital, and both spouses’ names may need to be involved in the transaction. rattikintitle.com
Co-ownership after divorce: Some couples may continue owning the home jointly (for instance, for the benefit of children). In such cases, the title insurance must reflect joint ownership and any special arrangements that may be in place.
State-law differences: Property division rules (community property states vs. equitable distribution states) and local title recording practices vary, so local law affects how title insurance issues are handled. hugheslawgroup.com+1
Future sale issues: If the retaining spouse fails to update the title and policies, a future buyer’s title insurer may require the flaw to be resolved, potentially resulting in further costs or delays.

Conclusion

Divorce is about far more than emotional transitions — it involves complex financial and legal issues, particularly when the marital home or shared real estate is involved. Title insurance, though often overlooked, is a critical component in ensuring that the spouse retaining the property has clean, protected ownership moving forward.

By taking proactive steps — verifying the divorce decree’s language, recording the necessary documents, checking for liens, updating title insurance, and coordinating with lenders — divorcing spouses can safeguard one of their most significant assets. In doing so, they reduce the risk of post-divorce headaches, claims from the ex-spouse or creditors, and obstacles to future real-estate transactions.

While each situation is unique and legal advice is always recommended, paying attention to title insurance in divorce situations transforms a potential vulnerability into an asset of clarity and protection. With the right measures, the former couple can move on — with the property side of their lives properly settled, covered, and protected.

Learn more about our comprehensive title insurance services here.

Top Title Concerns When Buying Property in Dearborn, Michigan

DJ PetersonOctober 30, 2025

Top Title Concerns When Buying Property in Dearborn, Michigan Buying a home is a major...

Homebuying in Dearborn: Why Title Insurance Matters

DJ PetersonOctober 28, 2025

Homebuying in Dearborn: Why Title Insurance Matters Buying a home in Dearborn, Michigan, is one...

Title Insurance in Divorce Situations

DJ PetersonOctober 23, 2025

When a marriage ends, property division becomes a central, and often complex, issue. One of...

Technology Tools in Modern Title Companies

DJ PetersonOctober 21, 2025

In the fast-moving world of real estate closings, title companies are no longer simply “paper...

Training Standards for Title Professionals: Building Trust, Accuracy, and Compliance

DJ PetersonOctober 16, 2025

In the world of real estate, few roles carry as much responsibility as that of...

Handling Title Insurance for Inherited Properties

DJ PetersonOctober 14, 2025

Inheriting a property can be both a blessing and a complex legal process. While it...

How Title Companies Protect Buyers from Hidden Liens

DJ PetersonOctober 9, 2025

When purchasing a home, most buyers focus on price, location, and mortgage rates—but one of...

How to Transfer Property Title in Michigan

DJ PetersonOctober 7, 2025

Transferring the title to real property in Michigan may seem complex, but with careful planning...

The Step-by-Step Closing Process Explained

DJ PetersonOctober 2, 2025

Buying or selling a home is an exciting milestone, but the final stretch—the closing process—often...

Uncategorized

Technology Tools in Modern Title Companies

Oct 21, 2025 DJ Peterson 0 Comment

In the fast-moving world of real estate closings, title companies are no longer simply “paper shops.” Instead, they have evolved into tech-enabled service providers that juggle compliance, speed, transparency, and risk management. This article examines how modern title and escrow firms are using technology tools to up their game — from core production software to AI, online closings, and fraud detection — and how special situations (such as complex transactions, high-risk deals or remote closings) can benefit from or require tailoring these tools.

1. Core Production & Workflow Platforms

At the heart of a modern title company is its production engine — the system that takes an order, does the title search, issues the commitment, coordinates with escrow, records documents, and closes the deal. Leading platforms include SoftPro, ResWare (now part of Qualia), and similar offerings. These tools offer document automation, electronic recording integrations, escrow accounting, and workflow-management features. CertifID+2Title Aid+2
For example, one firm says, “Our objective is to continually refine state-of-the-art technology to assist with compliance. We employ leading-edge consumer and operational portals along with third-party integrations.” Title First Agency
The benefits are significant: fewer manual handoffs, better visibility of the transaction lifecycle, fewer errors, and more predictable turnaround times.

Special Situations: When dealing with high-volume markets, multi-state transactions or very high-value deals, robustness and scalability are key. Large firms will want platforms that offer advanced analytics, vendor network integrations, and enterprise-grade security. ResWare/Qualia are often cited as “automation powerhouses” for these kinds of firms. CertifID
Likewise, for firms that are still smaller or conduct fewer transactions but want cloud access and flexibility, lighter-weight tools (or hosted versions of these platforms) may make more sense.

2. Automation & Artificial Intelligence

Beyond the core platforms, title companies are utilizing automation and even AI (machine learning) to expedite title searches, identify curative issues, automate document preparation, and minimize manual data entry. For instance, Nexval, a mortgage technology firm, offers title process automation tools that combine AI/ML with bots for tasks such as document extraction, county record scraping, and title search reporting. nexval.ai: AI-First Mortgage Company
Automation helps free up human teams to focus on exceptions (those special situations…) rather than routine files. Reduced error rates, faster turnaround, and the ability to scale or handle spikes in volume are among the tangible outcomes.

Special Situations: When a transaction has unusual complexity — e.g., multiple owners, legacy easements, lien issues, or non-standard property types — automation can flag anomalies or generate exception reports more quickly. In fraud-sensitive matters (see the later section), AI tools that detect inconsistencies or anomalies can provide an additional layer of protection. Strategic firms will often “turn on” extra monitoring or exception-handling workflows for such situations.

3. eClosing, Remote Online Notarization (RON) & Client Portals

A major recent shift has been enabled by digital closings, where much of the signing, notary, and document delivery happens online. According to one industry source: “Escrow and technology include digital platforms, AI and electronic notarization … These technologies help to improve efficiency, transparency and the speed of real estate transactions.” Milta
For example, one title company utilizes a secure consumer portal that allows clients to review, comment on, and track closing documents online. Title First Agency
Another lists tools for digital closings, mobile deposit of earnest money, and remote online notary platforms. Carlisle Title
This shift enhances the client experience, enables remote participation, and helps mitigate delays in face-to-face scheduling.

Special Situations: In cases where one party is remote (out-of-state or even overseas), where the closing needs to happen on short notice (e.g., relocation or sale under constraint), or when pandemic or health-safety issues are present, digital closings are particularly valuable. Additionally, when a deal involves multiple parties in different locations (e.g., trust closing, estate sale, corporate ownership), the client portal and eNotary capability become crucial.

4. Data, Integrations & Analytics

Modern title firms are becoming data-driven, integrating with public record systems, lender systems, and insurance underwriters, and utilizing analytics to monitor performance, identify revenue opportunities, and assess risk. For instance, one suite marketed to title firms claims to help “connect people, technology and data … across the entire real-estate transaction.” MortgageTech
Integration matters: linking workflows to accounting, underwriter platforms, recording systems, and CRM systems produces smoother handoffs, fewer errors, and better insights (e.g., which agents refer the most business, which counties cause delays, etc.).

Special Situations: For firms operating in multiple states, or handling high-volume institutional business (e.g., REITs, home-builders, lenders), analytics help identify bottlenecks, recurring title issues, or process improvement opportunities. For example, identifying a county where quirks cause delays can enable the creation of a special workflow. In distressed-property or auction/REO transactions, where title issues are often more complex, the data analytics side helps in triaging work and allocating resources effectively.

5. Fraud Detection, Compliance & Security

Title and escrow companies handle sensitive client data and are exposed to risks such as wire fraud, identity theft, fake notarizations, and other threats. Technology tools now help address these risks. For example, closing platforms often advertise built-in fraud protection, secure messaging, encrypted document storage, and audit trails. closesimple.com
Moreover, integrations with services for eRecording, remote notarization (which often carry more stringent authentication/regulation requirements), and vendor credentialing help reduce risk. Setting up a digital audit trail means if something goes wrong, you can trace who did what and when. Some title firms note that the new digital experience also improves compliance monitoring. Title First Agency
Special Situations: In high-risk markets (e.g., states with high property fraud rates, transactions involving foreign parties, or when the property is a high-value or landmark asset), enhanced security and additional verification checks are essential. For instance, remote signers or parties unfamiliar to the firm may require multi-factor authentication, video verification, or other checks. When a deal involves a refinance with special endorsements or legacy documents, the risk of curative title issues is higher — technology that flags possible title defects or misrecorded deeds becomes invaluable.

6. Client Engagement & Marketing Tools

While often overlooked, technology tools also power how title companies market themselves and engage clients (real-estate agents, lenders, home-buyers). Tools such as quote builders, landing pages, calculators for closing costs, and branded net-sheet tools help a title company stand out. For example, one platform advertises a “quote calculator … instant seller net sheets … customizable landing pages … lead capture” built for the title services industry. titleplatform.com
These tools help shorten the funnel from agent referral to order, and make the title company appear modern and responsive.

Special Situations: In markets with strong competition, or where a title company seeks to capture new business (e.g., niche markets such as luxury homes, investment properties, 1031 exchanges, etc.), these client-facing tools provide a competitive advantage. When a transaction has non-standard elements (such as vacation homes, cross-border buyers, or trust closings), the ability to customize branding, estimate costs, and communicate clearly can help build confidence.

Conclusion

The title industry is undergoing a significant technological shift, and firms that embrace modern tools can deliver faster, more transparent, and more secure services. Core production platforms, including automation, eClosings with remote notarization, data integration, and fraud-detection systems, all play key roles. Importantly, when dealing with special situations — such as complex property structures, remote parties, high-risk transactions, or unusual timelines — these tools aren’t just “nice to have,” they can mean the difference between a smooth closing and a costly delay or compliance failure.

For title companies looking to stay competitive, the question is no longer if to adopt tech, but how to adopt it in a way that aligns with their unique business model, team size, risk profile, and market position. Choosing the right stack, integrating with partners, training staff, and keeping compliance and security at the forefront will determine who leads and who falls behind.

Learn more about our comprehensive title insurance services here.

Top Title Concerns When Buying Property in Dearborn, Michigan

DJ PetersonOctober 30, 2025

Top Title Concerns When Buying Property in Dearborn, Michigan Buying a home is a major...

Homebuying in Dearborn: Why Title Insurance Matters

DJ PetersonOctober 28, 2025

Homebuying in Dearborn: Why Title Insurance Matters Buying a home in Dearborn, Michigan, is one...

Title Insurance in Divorce Situations

DJ PetersonOctober 23, 2025

When a marriage ends, property division becomes a central, and often complex, issue. One of...

Technology Tools in Modern Title Companies

DJ PetersonOctober 21, 2025

In the fast-moving world of real estate closings, title companies are no longer simply “paper...

Training Standards for Title Professionals: Building Trust, Accuracy, and Compliance

DJ PetersonOctober 16, 2025

In the world of real estate, few roles carry as much responsibility as that of...

Handling Title Insurance for Inherited Properties

DJ PetersonOctober 14, 2025

Inheriting a property can be both a blessing and a complex legal process. While it...

How Title Companies Protect Buyers from Hidden Liens

DJ PetersonOctober 9, 2025

When purchasing a home, most buyers focus on price, location, and mortgage rates—but one of...

How to Transfer Property Title in Michigan

DJ PetersonOctober 7, 2025

Transferring the title to real property in Michigan may seem complex, but with careful planning...

The Step-by-Step Closing Process Explained

DJ PetersonOctober 2, 2025

Buying or selling a home is an exciting milestone, but the final stretch—the closing process—often...

Uncategorized

Training Standards for Title Professionals: Building Trust, Accuracy, and Compliance

Oct 16, 2025 DJ Peterson 0 Comment

In the world of real estate, few roles carry as much responsibility as that of a title professional. Whether handling title searches, clearing encumbrances, or ensuring the transfer of legal ownership, title professionals play a vital role in maintaining trust and efficiency throughout real estate transactions. Because their work directly impacts property ownership, compliance, and client satisfaction, proper training is not just an expectation—it’s a requirement.

In this article, we’ll explore the essential training standards for title professionals, covering compliance requirements, ethical practices, technical skills, continuing education, and best practices for professional growth.

1. The Importance of Training in the Title Industry

Real estate is a highly regulated industry with ever-evolving laws, technology platforms, and customer expectations. Title professionals must stay current with federal and state laws, lender requirements, and industry best practices to ensure compliance and maintain their professional credibility. Proper training ensures they:

Comply with all applicable legal and ethical standards.
Protect clients and companies from liability.
Accurately process transactions and identify potential risks.
Deliver superior customer service and transparency.

Comprehensive training also reinforces trust among stakeholders—buyers, sellers, lenders, and real estate agents—who depend on title professionals to facilitate seamless property transfers.

2. Core Competencies Every Title Professional Should Master

A title professional’s job requires a range of technical and interpersonal skills. Training programs should cover the following key areas:

a. Title Search and Examination

The foundation of title work lies in understanding how to conduct a thorough title search. Professionals must learn how to:

Examine public records for liens, easements, and encumbrances.
Identify ownership history and verify a clear title.
Recognize defects or title clouds that could affect property transfers.

Training in this area often includes practical exercises on using title software, reading property abstracts, and interpreting county-level records.

b. Legal and Regulatory Compliance

Compliance is a cornerstone of the title industry. Training must include federal regulations, such as:

RESPA (Real Estate Settlement Procedures Act)
TRID (TILA-RESPA Integrated Disclosure Rule)
ALTA Best Practices Framework
CFPB (Consumer Financial Protection Bureau) Guidelines

State-specific regulations vary widely, so localized training ensures professionals adhere to local statutes and recording requirements.

c. Escrow and Settlement Procedures

Title professionals often manage escrow funds and closing processes. Training should teach:

Accurate fund handling and escrow reconciliation.
Secure communication with lenders, agents, and clients.
Proper document preparation for closings.
Understanding of recording procedures post-closing.

Since even minor errors in escrow handling can result in financial loss or legal issues, escrow training is a critical compliance requirement.

d. Technology and Data Security

As title operations become more digital, professionals must learn how to use secure software systems for:

Electronic closings (eClosings).
Title production and underwriting platforms.
Data protection and cybersecurity protocols.

Title companies must ensure their staff understand the importance of protecting client data from breaches and phishing attempts—especially when handling wiring instructions or personal identification information.

e. Customer Service and Communication

Title professionals interact with a diverse range of clients, from first-time homebuyers to seasoned real estate investors. Training should reinforce:

Clear, empathetic communication skills.
Conflict resolution strategies.
Managing expectations and educating clients on the title process.

Strong interpersonal skills can differentiate a title company in a competitive marketplace.

3. Ethical and Professional Conduct

Integrity is the foundation of a successful title career. Training should include ethics and professional standards, such as:

Avoiding conflicts of interest.
Maintaining confidentiality of client information.
Acting with transparency in fee disclosures and service offerings.
Adhering to the state licensing board and ALTA codes of conduct.

By cultivating ethical awareness, companies can reduce compliance risks and strengthen their reputation for honesty and reliability.

4. Continuing Education and Certification Standards

The title industry continually evolves due to changing laws, technology, and market conditions. Ongoing professional development is essential.

a. State Licensing and Renewal

Most states require title agents or escrow officers to hold a license. Renewal often requires completing continuing education (CE) credits—typically every one to two years. CE courses might cover topics such as:

Changes in the title law.
Cybersecurity for title professionals.
ALTA policy updates.
Risk management and fraud prevention.

b. National Certifications

The American Land Title Association (ALTA) and National Association of Independent Land Title Agents (NAILTA) offer certification programs that establish national standards for excellence. Examples include:

ALTA National Title Professional (NTP) designation.
Certified Land Title Professional (CLTP).
Escrow Officer Certification (varies by state).

These credentials demonstrate professional commitment and can improve credibility with clients and lenders.

5. Company-Level Training Programs

Reputable title agencies often implement structured in-house training programs. These programs might include:

Onboarding courses for new hires covering company procedures, software tools, and compliance checklists.
Mentorship programs pair new employees with experienced title examiners or escrow officers.
Workshops and webinars hosted by underwriters and industry associations.
Annual compliance refreshers on topics like anti-fraud procedures and privacy laws.

Implementing an internal training program helps maintain consistency across all employees and ensures everyone aligns with the company’s operational and ethical standards.

6. ALTA Best Practices and Industry Benchmarks

The ALTA Best Practices Framework serves as the national benchmark for the operations of title and settlement companies. It covers seven key pillars:

Licensing – Ensure all licenses and insurance coverages are up to date.
Escrow Trust Accounting – Protect funds and reconcile accounts.
Privacy and Information Security – Safeguard non-public personal information (NPI).
Settlement Procedures – Maintain accuracy and integrity in closings.
Title Policy Production – Deliver policies promptly and correctly.
Professional Liability Insurance Coverage – Maintain coverage for errors and omissions.
Consumer Complaints – Establish systems for prompt resolution.

Training employees around these pillars ensures the company remains compliant, transparent, and trustworthy in the eyes of regulators and clients alike.

7. The Future of Title Training: Digital and AI Integration

The next generation of title training is moving toward eLearning platforms and AI-assisted compliance tools. Digital courses make it easier for professionals to earn CE credits and stay informed on new regulations.

Additionally, AI tools can now analyze title documents, detect potential errors, and assist with automated risk assessment—reducing human error and improving efficiency. Training standards will increasingly include digital literacy, AI compliance awareness, and data ethics as the industry modernizes.

8. Conclusion

Training standards for title professionals are more than just compliance—they represent a commitment to accuracy, ethics, and customer confidence that sustains the entire real estate ecosystem. From mastering title searches to maintaining data security and professional integrity, every title professional plays a crucial role in protecting property rights and fostering trust.

In a constantly evolving industry, continuous education and certification ensure that professionals not only meet current standards but exceed them—laying the groundwork for smoother transactions, better client experiences, and long-term success.

Learn more about our comprehensive title insurance services here.

Top Title Concerns When Buying Property in Dearborn, Michigan

DJ PetersonOctober 30, 2025

Top Title Concerns When Buying Property in Dearborn, Michigan Buying a home is a major...

Homebuying in Dearborn: Why Title Insurance Matters

DJ PetersonOctober 28, 2025

Homebuying in Dearborn: Why Title Insurance Matters Buying a home in Dearborn, Michigan, is one...

Title Insurance in Divorce Situations

DJ PetersonOctober 23, 2025

When a marriage ends, property division becomes a central, and often complex, issue. One of...

Technology Tools in Modern Title Companies

DJ PetersonOctober 21, 2025

In the fast-moving world of real estate closings, title companies are no longer simply “paper...

Training Standards for Title Professionals: Building Trust, Accuracy, and Compliance

DJ PetersonOctober 16, 2025

In the world of real estate, few roles carry as much responsibility as that of...

Handling Title Insurance for Inherited Properties

DJ PetersonOctober 14, 2025

Inheriting a property can be both a blessing and a complex legal process. While it...

How Title Companies Protect Buyers from Hidden Liens

DJ PetersonOctober 9, 2025

When purchasing a home, most buyers focus on price, location, and mortgage rates—but one of...

How to Transfer Property Title in Michigan

DJ PetersonOctober 7, 2025

Transferring the title to real property in Michigan may seem complex, but with careful planning...

The Step-by-Step Closing Process Explained

DJ PetersonOctober 2, 2025

Buying or selling a home is an exciting milestone, but the final stretch—the closing process—often...

Uncategorized

Handling Title Insurance for Inherited Properties

Oct 14, 2025 DJ Peterson 0 Comment

Inheriting a property can be both a blessing and a complex legal process. While it often holds emotional and financial value, it also carries responsibilities — one of the most crucial being to ensure the property has a clear and insurable title. Title insurance plays a vital role in protecting heirs and future buyers from potential ownership disputes or liens. Understanding how to handle title insurance for inherited properties can save you from costly legal battles and future complications.

Understanding Title Insurance

Title insurance is a policy that protects property owners and lenders against financial loss from defects in the property’s title. Unlike most insurance policies that protect against future events, title insurance covers past issues that may affect ownership. These issues can include:

Unpaid taxes or liens
Forged signatures on prior deeds
Missing heirs or contested wills
Recording errors or omissions
Undisclosed easements or encumbrances

For inherited properties, title insurance becomes even more essential because ownership history may be unclear, and prior transfers could have legal complications tied to the deceased owner’s estate.

Why Title Insurance Is Important for Inherited Properties

When a property is inherited, it goes through a title transfer from the deceased’s name to the heir(s). Even if the will or probate court confirms your inheritance, it doesn’t automatically mean the title is clean or transferable. Here are key reasons why title insurance matters:

1. Hidden Ownership Claims

Sometimes, long-lost relatives or undisclosed heirs may emerge after the inheritance process, claiming rights to the property. A title insurance policy protects you from such claims and covers the legal expenses involved in resolving them.

2. Outstanding Liens or Debts

The deceased’s unpaid property taxes, mortgages, or contractor liens can still attach to the home. Before you can sell, refinance, or even live in the property, these debts must be cleared. Title insurance ensures these liens are discovered before transfer — and if missed, the insurer will typically cover the losses.

3. Estate and Probate Complications

If the property passes through probate, errors in documentation or estate filings can delay or jeopardize ownership transfer. Title companies often work alongside probate attorneys to verify the chain of ownership, helping you avoid costly delays.

4. Protection During Sale or Refinancing

If you plan to sell the inherited home, potential buyers or lenders will require a clear title. Title insurance assures them that the property’s ownership is legitimate, making the sale or refinance smoother and faster.

Steps to Handle Title Insurance for an Inherited Property

Dealing with title insurance during an inheritance requires coordination among attorneys, title agents, and, in some cases, probate courts. Below are the essential steps to ensure a clean title and proper insurance coverage.

Step 1: Confirm Ownership and Probate Status

First, determine how the property was owned by the deceased:

Sole Ownership: The property will typically go through probate before transfer.
Joint Tenancy with Right of Survivorship: The surviving co-owner automatically receives the ownership interest without the need for probate.
Ownership in a Trust: If the property was held in a living trust, probate may be avoided altogether.

Once you confirm the ownership type, you’ll know whether probate proceedings are necessary to legally transfer the title.

Step 2: Obtain a Copy of the Existing Deed

The deed provides details on current ownership, property boundaries, and any recorded liens or easements. You can request a copy from the county recorder’s office. Title companies will use this to verify the legal chain of title before issuing insurance.

Step 3: Order a Title Search

A title search is a comprehensive examination of public records to ensure the property’s ownership is valid and free from defects. The title company or real estate attorney will:

Check for liens, unpaid taxes, or mortgages.
Identify prior ownership transfers and potential disputes.
Flag any irregularities in deeds or encumbrances.

If the title search reveals problems, these must be resolved before insurance can be issued.

Step 4: Clear Any Title Issues

If liens, disputes, or recording errors are discovered, you’ll need to work with your title agent and possibly an estate attorney to clear them. Common solutions include:

Paying off outstanding debts.
Filing affidavits of heirship.
Correcting errors in past deeds.
Obtaining quitclaim deeds from other heirs or relatives.

Clearing title issues upfront prevents costly problems later when selling or transferring ownership.

Step 5: Purchase a Title Insurance Policy

Once the title is verified as clean, you can purchase a title insurance policy. There are two primary types:

Owner’s Policy: Protects the heir or new owner against title defects.
Lender’s Policy: Protects the mortgage lender’s investment in the property.

Even if no mortgage is involved, buying an owner’s policy is highly recommended to safeguard your ownership rights.

Step 6: Transfer the Title

After probate (if required) and title clearance, the property title can be transferred to your name through a new deed, such as a Personal Representative’s Deed or Executor’s Deed. Once recorded with the county, the title is officially in your name — and your title insurance coverage becomes active.

Common Challenges and How to Overcome Them

1. Multiple Heirs Disagreeing

When siblings or co-heirs inherit property together, disagreements can delay the transfer of title. It’s wise to reach a written agreement or sell the property and split the proceeds to avoid prolonged disputes.

2. Missing Heirs or Beneficiaries

If an heir cannot be located, the title company may require a court order or special affidavit before proceeding with insurance. Working with a probate attorney helps streamline this process.

3. Unrecorded Deeds

Sometimes, a previous transfer was never officially recorded. The title company may request additional documentation or legal verification to reestablish a proper ownership chain.

4. Unpaid Property Taxes

Inherited properties often come with unpaid taxes. Before transferring or selling, ensure that all tax bills are settled to avoid delays in closing or the issuance of title insurance.

How to Work with a Title Company

A reputable title company is your best ally in this process. They’ll handle the title search, identify potential red flags, and issue the insurance policy. When selecting a title company:

Choose one experienced with probate and inherited properties.
Ask for a detailed breakdown of fees.
Verify their communication and turnaround time, as probate-related title work can be lengthy.

The right title company ensures the inherited property is properly insured and ready for transfer or sale.

Final Thoughts

Handling title insurance for inherited properties requires patience, diligence, and the guidance of a qualified attorney. Even when inheritance seems straightforward, title issues can surface unexpectedly — from missing heirs to unpaid debts. By conducting a thorough title search, working with a qualified title company, and obtaining owner’s title insurance, you protect yourself and future buyers from costly ownership disputes.

Whether you plan to keep, sell, or refinance the inherited property, ensuring a clear and insured title is one of the smartest moves you can make. It not only safeguards your financial interest but also provides peace of mind knowing your inheritance is secure and legally protected.

Learn more about our comprehensive title insurance services here.

Top Title Concerns When Buying Property in Dearborn, Michigan

DJ PetersonOctober 30, 2025

Top Title Concerns When Buying Property in Dearborn, Michigan Buying a home is a major...

Homebuying in Dearborn: Why Title Insurance Matters

DJ PetersonOctober 28, 2025

Homebuying in Dearborn: Why Title Insurance Matters Buying a home in Dearborn, Michigan, is one...

Title Insurance in Divorce Situations

DJ PetersonOctober 23, 2025

When a marriage ends, property division becomes a central, and often complex, issue. One of...

Technology Tools in Modern Title Companies

DJ PetersonOctober 21, 2025

In the fast-moving world of real estate closings, title companies are no longer simply “paper...

Training Standards for Title Professionals: Building Trust, Accuracy, and Compliance

DJ PetersonOctober 16, 2025

In the world of real estate, few roles carry as much responsibility as that of...

Handling Title Insurance for Inherited Properties

DJ PetersonOctober 14, 2025

Inheriting a property can be both a blessing and a complex legal process. While it...

How Title Companies Protect Buyers from Hidden Liens

DJ PetersonOctober 9, 2025

When purchasing a home, most buyers focus on price, location, and mortgage rates—but one of...

How to Transfer Property Title in Michigan

DJ PetersonOctober 7, 2025

Transferring the title to real property in Michigan may seem complex, but with careful planning...

The Step-by-Step Closing Process Explained

DJ PetersonOctober 2, 2025

Buying or selling a home is an exciting milestone, but the final stretch—the closing process—often...

Uncategorized

How Title Companies Protect Buyers from Hidden Liens

Oct 9, 2025 DJ Peterson 0 Comment

When purchasing a home, most buyers focus on price, location, and mortgage rates—but one of the most critical parts of the process happens behind the scenes: the title search. A home’s title represents legal ownership, and ensuring that it’s “clear” of any claims, debts, or disputes is essential before closing. This is where title companies come in.

Title companies play a vital role in protecting buyers from hidden liens, ownership disputes, and legal complications that could surface long after the sale. Their work ensures that when you buy your dream home, it truly belongs to you—free and clear.

Let’s break down how title companies safeguard homebuyers from hidden liens and other title issues.

1. Understanding What a Title Is

A title is the legal document that shows ownership of a property. It outlines the rights, responsibilities, and restrictions attached to that ownership. When you purchase a home, the goal is to obtain a “clear title,” meaning no one else has a legal claim or financial interest in the property.

However, real estate transactions are complex. Previous owners may have unpaid taxes, contractor bills, judgments, or other financial obligations that can become attached to the property as liens. These issues must be resolved before ownership transfers.

2. What Are Hidden Liens?

A lien is a legal claim against a property, typically filed when a homeowner is in arrears on their mortgage payments. Common types of liens include:

Mortgage liens – The lender’s claim until the loan is repaid.
Tax liens – Filed by the government for unpaid property or income taxes.
Mechanic’s liens – Filed by contractors or suppliers who haven’t been paid for work or materials.
Judgment liens – Resulting from court-ordered debts.

A hidden lien is any claim that hasn’t been disclosed or discovered yet—perhaps due to clerical errors, outdated records, or fraudulent filings. If not detected before closing, the new owner could become legally responsible for the debt.

3. The Title Search Process

To protect the buyer, the title company conducts a comprehensive title search prior to finalizing the transaction. This search involves examining:

County property records
Tax rolls
Court judgments
Deeds and easements
Historical ownership transfers

Title examiners look for red flags, such as unpaid taxes, unsettled mortgages, or disputes over property boundaries. This in-depth research ensures that the property’s history is transparent and accurate before closing.

4. Clearing Outstanding Liens

If the title search reveals an existing lien, the title company works to resolve it prior to closing. This may involve:

Paying off the lien from the seller’s proceeds.
Negotiating settlements with creditors or government agencies.
Securing lien releases that officially remove claims from the public record.

Only once the liens are cleared can the transaction move forward. The buyer then receives a clear title—free of encumbrances.

5. The Role of Title Insurance

Even with meticulous research, there’s always a chance that a hidden lien or ownership issue could surface later. That’s where title insurance comes in.

There are two types of title insurance policies:

Owner’s Policy – Protects the buyer from financial loss due to title defects, hidden liens, or fraud that occurred before ownership.
Lender’s Policy – Protects the mortgage lender’s interest in the property until the loan is paid off.

If a previously unknown lien appears after closing, the title insurance company will cover legal costs and financial damages, ensuring the buyer isn’t responsible for unexpected debts.

6. Protection Against Fraud and Forgery

Title companies also protect buyers from fraudulent documents and forged signatures that can cloud ownership history. Identity theft, illegal transfers, and false claims occasionally occur in real estate transactions.

During their title examination, title professionals verify the authenticity of deeds and signatures, ensuring that each ownership transfer is legitimate. If a fraud-related issue arises later, the buyer’s owner’s title insurance policy offers legal protection and coverage.

7. Coordinating with Escrow and Closing

In addition to their research and insurance duties, title companies manage the escrow process—holding funds safely until all conditions of the sale are met.

This ensures that:

The seller receives payment only after delivering a clear title.
The buyer’s funds are not released until liens and encumbrances are cleared.
Closing documents are properly signed, notarized, and recorded.

By controlling the flow of money and paperwork, the title company minimizes risks for both parties and ensures a smooth transfer of ownership.

8. Post-Closing Title Recording

After the sale is complete, the title company records the new deed with the county’s recorder or register of deeds office. This step finalizes the transaction and establishes the buyer as the new legal owner.

Recording the deed also ensures public notice—a safeguard that helps prevent future disputes over property ownership. It’s one of the final ways title companies protect buyers from ownership conflicts and claims.

9. Why You Shouldn’t Skip Title Insurance

Some buyers, especially those paying cash, may wonder if they can skip title insurance to save money. However, this is a risky move.

Without title insurance, you could face:

Thousands of dollars in unpaid liens you didn’t know existed.
Court fees to defend your ownership rights.
Potential foreclosure if the lienholder enforces their claim.

The one-time premium for title insurance (usually 0.5–1% of the home’s purchase price) offers lifetime coverage for as long as you own the property. It’s a small investment for long-term peace of mind.

10. Real-Life Example: The Hidden Contractor Lien

Imagine a buyer purchases a home from a seller who recently completed a kitchen renovation. Unknown to both parties, the contractor who performed the work never received final payment and filed a mechanic’s lien against the property—recorded just days before closing.

If the title company hadn’t performed a thorough title search, the buyer could have been forced to pay the contractor thousands of dollars after moving in. Because the lien was discovered and cleared before closing, the buyer received the home free of any debt.

This is precisely the type of protection title companies provide every day.

Conclusion: Your Shield Against Hidden Liens

Buying a home is one of the largest financial investments most people will ever make. Title companies act as a shield, protecting buyers from hidden liens, ownership disputes, and fraudulent claims that could jeopardize their property rights.

Through detailed title searches, resolution of existing liens, title insurance coverage, and secure closing procedures, they ensure every buyer receives what they’re paying for—clear, undisputed ownership of their new home.

So, the next time you sit down at the closing table, remember: the title company isn’t just processing paperwork. They’re protecting your most important investment—your home.

Learn more about our comprehensive title insurance services here.

Top Title Concerns When Buying Property in Dearborn, Michigan

DJ PetersonOctober 30, 2025

Top Title Concerns When Buying Property in Dearborn, Michigan Buying a home is a major...

Homebuying in Dearborn: Why Title Insurance Matters

DJ PetersonOctober 28, 2025

Homebuying in Dearborn: Why Title Insurance Matters Buying a home in Dearborn, Michigan, is one...

Title Insurance in Divorce Situations

DJ PetersonOctober 23, 2025

When a marriage ends, property division becomes a central, and often complex, issue. One of...

Technology Tools in Modern Title Companies

DJ PetersonOctober 21, 2025

In the fast-moving world of real estate closings, title companies are no longer simply “paper...

Training Standards for Title Professionals: Building Trust, Accuracy, and Compliance

DJ PetersonOctober 16, 2025

In the world of real estate, few roles carry as much responsibility as that of...

Handling Title Insurance for Inherited Properties

DJ PetersonOctober 14, 2025

Inheriting a property can be both a blessing and a complex legal process. While it...

How Title Companies Protect Buyers from Hidden Liens

DJ PetersonOctober 9, 2025

When purchasing a home, most buyers focus on price, location, and mortgage rates—but one of...

How to Transfer Property Title in Michigan

DJ PetersonOctober 7, 2025

Transferring the title to real property in Michigan may seem complex, but with careful planning...

The Step-by-Step Closing Process Explained

DJ PetersonOctober 2, 2025

Buying or selling a home is an exciting milestone, but the final stretch—the closing process—often...

Uncategorized

How to Transfer Property Title in Michigan

Oct 7, 2025 DJ Peterson 0 Comment

Transferring the title to real property in Michigan may seem complex, but with careful planning and adherence to state and local rules, the process can be managed effectively. Below is a step-by-step guide and key considerations to help you through the process of transferring property title in Michigan.

1. Understand What “Title” Means and Why It Matters

A property “title” is the legal right to own or use real estate. Transferring title means legally conveying that right from one party (the grantor) to another (the grantee). For that transfer to be effective, the conveyance must meet Michigan’s legal requirements, and the deed must be recorded in the appropriate county register of deeds.

Without a valid deed, or if errors exist, the transfer may not protect the new owner’s rights, and it could lead to title disputes or problems later on.

2. Choose the Right Type of Deed

Michigan recognizes several types of deeds, and the choice affects liability and protection. Bowen Hoogstra+2DeedClaim+2

Quitclaim Deed: Transfers whatever interest the grantor currently has, with no warranties. Common for transfers among family members, divorce, or internal transfers. DeedClaim+3LegalZoom+3Bowen Hoogstra+3
Covenant Deed: Provides a limited warranty that the property was not encumbered during the grantor’s ownership. Bowen Hoogstra
Warranty Deed: Offers the strongest protection: the grantor guarantees title against all defects, past and present. Bowen Hoogstra

You’ll generally want a warranty deed when you are selling to an unrelated third party, while quitclaim deeds are more common for internal reassignments or gift transfers.

3. Prepare the Deed

To create a valid Michigan deed, you must include all required elements:

Names and addresses of the grantor(s) and grantee(s). DeedClaim+1
Legal description of the property (e.g., lot, block, survey, metes and bounds) or the parcel identification number (PIN). Michigan+2DeedClaim+2
A statement of consideration (purchase price or other value). DeedClaim+1
The signature of the grantor(s). DeedClaim+1
Notarization (acknowledgment) of grantor signature(s). Oakland County+2DeedClaim+2
Any required transfer tax or valuation affidavit (if the transfer is taxable). DeedClaim+2DeedClaim+2

Michigan law also imposes formatting requirements, such as:

Deeds must be typed or printed (not handwritten) in black ink, and in a legible font of at least 10 pt. DeedClaim
The paper must be white, with a minimum weight of 20 lb, and sized between 8½? × 11? and 8½? × 14?. DeedClaim
If Social Security Numbers appear, the first five digits must be redacted. DeedClaim

It’s wise to have a real estate attorney or title agent review the draft deed, especially in more complex transfers.

4. Execute and Notarize the Deed

The grantor(s) must sign the deed in front of a notary public, who then provides an acknowledgment. The notary’s certificate must include:

The county in which the acknowledgment is made
The names of the parties are acknowledged
The notary’s signature and commission expiration date

All signatures and notarization must comply with Michigan recording standards. Oakland County+2DeedClaim+2

5. Pay Any Required Transfer Taxes / Fees

When submitting to the county register of deeds, you may owe:

Recording fees: Typically, a base fee for the first page, plus additional fees for each extra page. Wayne County+2Oakland County+2
Transfer tax (state & county): In many cases, real property transfers are subject to tax, calculated based on the consideration (value). Wayne County
Remonumentation fees or other local fees: Some counties include these in the base recording charge. Wayne County+1

In Wayne County, for example, the recording fee is $15 for the first page and $3 for each additional page, and the transfer tax is $0.55 per $500 in county tax plus $3.75 per $500 in state tax (or $8.60 per $1,000) of consideration. Wayne County

Always check with the county register of deeds for the precise fee schedule in your county.

6. Record the Deed in the County Register of Deeds

Once properly signed, notarized, and paid, the deed must be recorded in the register of deeds office in the county where the property is located. Recording establishes legal notice of the transfer and protects the new owner’s interest. Oakland County+2Washtenaw County+2

Requirements usually include:

Original signatures
Typed or printed names beneath signatures
Proper margins and document formatting
Statement of the nature (title) of the document on the first line
Payment of recording fees and any transfer taxes at submission time DeedClaim+3Oakland County+3Wayne County+3

Some counties allow electronic recording (e-recording) for deeds. However, many do not accept deeds via electronic platforms (some counties limit e-recording to non-ownership documents). Oakland County

After recording, the register of deeds returns a stamped copy to the grantee or the “return to” address listed on the deed.

7. File the Michigan Property Transfer Affidavit (Form 2766)

Within 45 days of the transfer, the new owner must file Form 2766 (formerly L-4260), known as the “Property Transfer Affidavit,” with the local assessor’s office. Michigan+2Michigan+2

This form captures relevant information about the transfer (date, price, type of transfer, parties, etc.). Even if the transfer is exempt or no deed is recorded, the affidavit must usually be filed. Michigan

The assessor uses this to adjust the property’s taxable value. Because a transfer of ownership “uncaps” taxable value under Michigan law, the taxable value is reset to 50% of the property’s state equalized value in the calendar year following the transfer. Michigan

Failure to file the affidavit can result in penalties or complications during tax assessment.

8. Adjustments, Exemptions & Special Circumstances

Transfers between family members or exempt situations

Certain transfers are exempt from the transfer tax or may be subject to special valuation or exemptions. In 2025, Michigan revised the 2766 form to require more detailed relationship disclosures for exemptions. Thompson Legal

Transfers by affidavit after death

If a property owner dies and their estate is small (under Michigan’s threshold), it may be possible to transfer real property by affidavit (affidavit of decedent’s successor) instead of full probate. The process requires waiting 28 days after death, making an affidavit, and filing it with the county. Home | Michigan Legal Help

Transfers via land contract

If the property was held under a land contract, the original contract holder (the vendor) may need to execute a deed conveying full title after all payments are made. The deed must then follow the steps above. Michigan Property Tax+1

Title defects or clouds

Before transfer, it’s prudent to conduct a title search to identify liens, judgments, easements, or other “clouds” on the title. If defects are discovered, they must be resolved (e.g., via a quiet title action) before conveying a clean title. Wikipedia+2DeedClaim+2

9. After Recording: Practical Steps and Records

Retain the recorded deed: Keep the stamped, recorded copy in a safe place.
Update mortgage or financing documents, if applicable, to reflect new ownership.
Notify relevant parties (homeowners association, utility companies, local government) of the ownership change.
Pay any outstanding property taxes or assessments associated with the property.
Monitor your property tax assessment to ensure the newly uncapped valuation is correctly assigned. The assessor’s uncapping must occur in the year immediately following the transfer. Michigan

10. Tips and Common Pitfalls

Always double-check legal descriptions, names, and signatures to ensure accuracy. A small typo can delay or derail the recording.
Use a professional (attorney or title company) for complex transfers or if you are unsure of the title history.
Don’t wait too long to record the deed — the priority of recording matters.
Ensure the transfer tax and recording fees are paid at the time of submission.
Remember the 45-day deadline to file Form 2766 — missing that can cause issues.
When in doubt, check your specific county’s register of deeds rules and fee schedules — requirements vary by county. (For example, Wayne County provides detailed guidelines on margins, document formatting, transfer tax, and submission rules. Wayne County)

Transferring property title in Michigan is a multi-step process that involves drafting, signing, notarizing, recording, and filing taxes and affidavits. By understanding the types of deeds, county-specific recording rules, and Michigan’s transfer tax and assessment rules, you can help ensure a smooth, legally compliant transfer. If you have a particular county in mind or a specific situation (such as between family members or after a death), I can help you tailor the steps further to suit your needs.

Uncategorized

The Step-by-Step Closing Process Explained

Oct 2, 2025 DJ Peterson 0 Comment

Buying or selling a home is an exciting milestone, but the final stretch—the closing process—often feels overwhelming. With contracts, inspections, appraisals, and countless signatures, it’s easy to feel lost in the details. Understanding each step helps reduce stress, keeps you informed, and ensures there are no surprises when you finally receive the keys or the proceeds from your sale.

Below is a clear, step-by-step guide to the real estate closing process, so you can confidently navigate each stage.

1. Offer Accepted and Contract Signed

The closing process officially begins once the buyer and seller reach an agreement on the purchase price and terms. Both parties sign a purchase agreement, which outlines the details of the transaction, including contingencies (such as financing, inspections, or appraisal).

At this stage, the buyer typically submits earnest money—a deposit that demonstrates their commitment to the purchase. This money is usually held in escrow and applied to the down payment or closing costs later.

2. Open Escrow and Hire a Closing Agent

After the contract is signed, an escrow account is opened. This is a neutral third-party account managed by an escrow or title company, depending on the state. The escrow agent or attorney ensures that funds and documents are handled securely until all conditions of the contract are met.

The closing agent serves as the primary point of contact for ensuring that paperwork is accurate, deadlines are met, and the transaction proceeds smoothly.

3. Home Inspection

The home inspection is a crucial step for buyers. A licensed inspector evaluates the property’s condition, checking for issues with the roof, foundation, plumbing, electrical systems, and more.

If major problems are found, the buyer can:

Request repairs from the seller.
Negotiate a credit toward closing costs.
In some cases, consider walking away from the deal (if allowed by the contingencies).

The inspection protects the buyer from unexpected repair costs after moving in.

4. Appraisal Ordered by Lender

If the buyer is financing the purchase, the lender will order an appraisal to determine the property’s fair market value. Appraisers are independent professionals who compare the home to similar recent sales in the area.

Why it matters:

If the home appraises at or above the purchase price, the loan process moves forward.
If the appraisal comes in lower, the buyer may need to renegotiate the price, pay the difference out-of-pocket, or appeal the appraisal.

The appraisal ensures the lender isn’t financing more than the property is worth.

5. Title Search and Title Insurance

Next, the title company conducts a title search to verify that the property’s ownership is clear. This means checking for outstanding liens, unpaid taxes, or other legal claims that could affect ownership rights.

Once the title is cleared, title insurance is issued. This protects both the lender and the buyer from future disputes over property ownership. Sellers also benefit, as a clear title confirms they are legally able to transfer the property.

6. Secure Homeowner’s Insurance

Most lenders require proof of homeowner’s insurance before closing. Buyers need to secure a policy that protects the home against risks like fire, theft, or natural disasters.

Insurance is not just a lender requirement—it gives peace of mind that the home is financially protected from unexpected events.

7. Mortgage Underwriting and Loan Approval

The underwriting process is one of the most detailed steps. Lenders carefully review the buyer’s financial profile, including:

Credit score and history
Income and employment verification
Bank statements and tax returns
Debt-to-income ratio

During underwriting, the lender determines whether to approve, deny, or request additional documentation for the loan. Once approved, the buyer receives a clear to close notification, signaling that financing is secured.

8. Closing Disclosure

At least three business days before the scheduled closing, the lender provides the buyer with a Closing Disclosure (CD). This document outlines:

Loan terms (interest rate, monthly payments, and length of loan)
Closing costs
Taxes and insurance
The final cash amount needed at closing

It’s essential to review the Closing Disclosure carefully and compare it to the Loan Estimate provided earlier in the process. Any discrepancies should be addressed before signing.

9. Final Walk-Through

Usually conducted within 24 hours of closing, the final walk-through provides the buyer with one last opportunity to inspect the property. The goal is to confirm that:

The home is in the agreed-upon condition.
Repairs requested after the inspection are completed.
Nothing has been removed that should remain (such as appliances or fixtures).

The walk-through ensures there are no surprises before the deal is finalized.

10. Closing Day

Finally, the big day arrives—closing day. This is when all parties sign the necessary paperwork to transfer ownership. Closing can take place at a title company, an attorney’s office, or even remotely in some cases.

Typical steps on closing day include:

Buyer signs the loan documents and the mortgage note.
Seller signs the deed transferring ownership.
Both parties settle final closing costs.
Funds are distributed: the seller receives proceeds, and the buyer’s down payment and lender’s funds are disbursed.
The deed is recorded with the county, officially transferring ownership.

Once all documents are signed and the funds have been exchanged, the buyer receives the keys to their new home.

11. After Closing

Even after closing day, there are a few loose ends:

The buyer should store all signed documents in a safe place.
The lender sets up the mortgage account for monthly payments.
Utility accounts should be transferred into the buyer’s name.
The new homeowner may want to change locks and begin moving in immediately.

For sellers, closing typically marks the official end of their obligations; however, they may still need to settle final utility bills or forward mail.

Key Tips to Smooth the Closing Process

Stay organized: Keep track of deadlines for inspections, loan documents, and disclosures to ensure timely completion.
Communicate: Stay in touch with your real estate agent, lender, and closing agent.
Budget properly: Closing costs typically range from 2% to 5% of the loan amount.
Review documents carefully: Read all paperwork thoroughly before signing.

Final Thoughts

The real estate closing process may seem intimidating, but when broken down step by step, it becomes much more manageable. From offer acceptance and inspections to appraisals, underwriting, and the final signing, each step ensures that the buyer, seller, and lender are protected.

By understanding the process, asking questions along the way, and working with trusted professionals, you can approach closing day with confidence. Whether you’re buying your first home or selling a property, this knowledge ensures that the transaction goes smoothly—and ends with a successful handoff of keys.

Learn more about our comprehensive title insurance services here.

Top Title Concerns When Buying Property in Dearborn, Michigan

DJ PetersonOctober 30, 2025

Top Title Concerns When Buying Property in Dearborn, Michigan Buying a home is a major...

Homebuying in Dearborn: Why Title Insurance Matters

DJ PetersonOctober 28, 2025

Homebuying in Dearborn: Why Title Insurance Matters Buying a home in Dearborn, Michigan, is one...

Title Insurance in Divorce Situations

DJ PetersonOctober 23, 2025

When a marriage ends, property division becomes a central, and often complex, issue. One of...

Technology Tools in Modern Title Companies

DJ PetersonOctober 21, 2025

In the fast-moving world of real estate closings, title companies are no longer simply “paper...

Training Standards for Title Professionals: Building Trust, Accuracy, and Compliance

DJ PetersonOctober 16, 2025

In the world of real estate, few roles carry as much responsibility as that of...

Handling Title Insurance for Inherited Properties

DJ PetersonOctober 14, 2025

Inheriting a property can be both a blessing and a complex legal process. While it...

How Title Companies Protect Buyers from Hidden Liens

DJ PetersonOctober 9, 2025

When purchasing a home, most buyers focus on price, location, and mortgage rates—but one of...

How to Transfer Property Title in Michigan

DJ PetersonOctober 7, 2025

Transferring the title to real property in Michigan may seem complex, but with careful planning...

The Step-by-Step Closing Process Explained

DJ PetersonOctober 2, 2025

Buying or selling a home is an exciting milestone, but the final stretch—the closing process—often...

Uncategorized

Do You Really Need Title Insurance in Michigan?

Sep 30, 2025 DJ Peterson 0 Comment

When buying a home in Michigan, the process typically involves a lengthy list of expenses, including closing costs, inspection fees, loan origination charges, and more. Among these costs is title insurance, a term that may sound technical and optional to some buyers. You may wonder: Do I really need title insurance in Michigan? The short answer is yes—title insurance is one of the most important safeguards you can have when purchasing real estate.

In this article, we’ll explore what title insurance is, why it matters, how it works in Michigan, the costs, and whether you should consider it a necessary part of your home-buying journey.

What Is Title Insurance?

Title insurance is a type of indemnity insurance that protects homeowners and lenders against financial loss from defects in a property’s title. Unlike car or health insurance, which cover future risks, title insurance protects against past issues that may not have been discovered before the property changed hands.

For example, if there was a mistake in a deed, an undisclosed heir claiming ownership, or unpaid property taxes from the previous owner, these problems could threaten your ownership rights. Title insurance ensures you don’t bear the financial burden of these disputes.

How Title Insurance Works in Michigan

In Michigan, when you buy a home, the property’s title is searched by a title company before closing. This “title search” checks public records for liens, disputes, judgments, or ownership claims. While this process is thorough, it’s not foolproof. Errors in public records, missing heirs, or even forged signatures could surface later.

This is where title insurance steps in—it acts as a safety net against problems that the initial title search may not have uncovered.

There are two main types of title insurance:

Lender’s Title Insurance – Required by most mortgage lenders, this policy protects the lender’s interest in the property until the loan is paid off. It does not protect the buyer.
Owner’s Title Insurance – Optional but highly recommended, this policy protects you, the homeowner, for as long as you own the property.

Common Title Issues in Michigan

Michigan’s real estate market, like any other, has its share of potential title problems. Here are some common issues that title insurance protects against:

Unpaid Property Taxes or Liens – If the previous owner had unpaid taxes or contractors filed liens, the new homeowner could be responsible.
Clerical Errors – Mistakes in legal documents or public records can affect ownership rights.
Fraud or Forgery – A forged deed or signature in the property’s history could call ownership into question.
Boundary Disputes – Conflicting surveys or unclear property lines can create disputes with neighbors.
Missing Heirs or Claims of Ownership – Unknown heirs or parties claiming inheritance rights can challenge your ownership.

Without title insurance, resolving these issues could cost thousands in legal fees—or even result in losing your home.

Is Title Insurance Required in Michigan?

Michigan law does not require homeowners to purchase title insurance. However, nearly all mortgage lenders require a lender’s title policy before approving financing.

As for the owner’s title insurance, it’s technically optional but strongly encouraged. Skipping this coverage may save you a one-time fee at closing, but it leaves you exposed to significant financial risks.

Think of it this way: you’re making one of the largest investments of your life. Owner’s title insurance is a relatively small cost that protects you from losing that investment to an unexpected legal claim.

Cost of Title Insurance in Michigan

One of the most frequently asked questions by homebuyers is: How much does title insurance cost?

In Michigan, title insurance is a one-time fee paid at the time of closing. Unlike other types of insurance, there are no annual premiums. The cost is usually based on the home’s purchase price or the amount of the mortgage loan.

For example:

A $200,000 home might cost around $1,000–$1,500 for both lender’s and owner’s policies combined.
Larger or more complex transactions may incur higher costs.

Compared to the potential cost of a legal battle or a lost property claim, this one-time expense is relatively minor.

Benefits of Title Insurance in Michigan

If you’re still wondering whether title insurance is worth it, here are the key benefits:

Peace of Mind – You know your ownership rights are protected from hidden claims.
Financial Protection – Covers legal costs and potential losses related to title disputes.
One-Time Payment – Unlike other insurances, you pay only once at closing.
Protection for Heirs – Your coverage continues to protect your heirs if the property is passed down.
Common in Michigan Transactions – Title insurance is the norm in most real estate deals across the state, making it easier to sell later if you already have a clean title policy.

Situations Where Title Insurance Proves Valuable

To illustrate the value of title insurance, let’s consider a couple of real-life scenarios:

Case 1: Unpaid Taxes
A couple in Detroit buys a home only to discover six months later that the previous owner owed $7,000 in back property taxes. Without title insurance, they’d have to pay the debt themselves. With insurance, the policy covers it.
Case 2: Unknown Heir
In Grand Rapids, a buyer closed on a property that once belonged to a family with multiple heirs. Two years later, an heir came forward claiming ownership. Title insurance covered the legal defense and costs, saving the buyer thousands of dollars.

These examples show that even with thorough searches, risks remain—and title insurance steps in when the unexpected happens.

Do You Really Need It?

If you’re paying cash and don’t have a lender requiring insurance, you could technically buy a home without it. But the question is: should you?

Skipping title insurance may save you a small percentage upfront, but the potential consequences are massive. A single legal claim can cost tens of thousands of dollars—or even result in losing your property.

Most Michigan real estate experts, attorneys, and agents agree: title insurance is worth it.

Final Thoughts

So, do you really need title insurance in Michigan? While not legally required for homeowners, it’s a smart investment for nearly anyone purchasing real estate in the state. It provides peace of mind, financial protection, and long-term security for one of the biggest investments of your life.

For a relatively small one-time cost, title insurance shields you from unpredictable risks that could otherwise devastate your finances. In the unpredictable world of real estate, it’s better to be safe than sorry.

? Bottom Line: In Michigan, title insurance may not be mandatory for homeowners, but it’s one of the smartest protections you can choose when buying property.

Learn more about our comprehensive title insurance services here.

Provider and Settlement Service	Charge or Range of Charges
Sonic Realty LLC	1%-6% of purchase price
Sonic Title Agency, LLC	Title Insurance Policy: $950 - $1706 on a $250,000 property. (Rates vary and are dependent on the state, selling price, and loan amount on the property.) Title Search Fee: $250 - $325 (where applicable) Closing Fee: $450 - $650
Sonic Loans Inc. This company provides various real estate mortgage loan origination activities either as a third-party originator or a mortgage broker, including loan pre-qualification, competitive bid process (when providing third-party origination services), loan origination, loan pre-approval, loan structuring, processing, and closing.	Loan Origination Charge: 0-3 % of loan amount (may include 3^rd party fees) Loan Discount Fee/points: 0.5%-6% of loan amount. Application/Processing Fee: $0.00 - $875.00 Flood and tax service: $0.00 - $95.00 Underwriting Fee: $0.00 - $1295.00 Document Review Fee: $0.00 - $400.00 Appraisal Fee: $0.00 - $850.00 Credit Report Fee: $0.00 - $135.00 Actual charges may vary according to the particular lender selected, the particular services provided, and the underlying transaction, borrower selections, etc. Some or all of these fees may be charged by third parties and/or the Member Mortgage Lender/Mortgage Broker. The Member Lenders and Mortgage Brokers have agreed to pay a fee ranging from 0.5% to 2.75% of the loan amount to Sonic Loans in connection with a range of loan origination services provided by Sonic Loans to the Member Lender/Mortgage Broker. The fees are paid either directly to Sonic Loans by the Member Lender/Mortgage Broker or billed directly to you at closing.

Provider and Settlement Service	Charge or Range of Charges
Appraisal Fee	$0-$800
Credit Report Fee	$63-$125

Archives 2025

Top Title Concerns When Buying Property in Dearborn, Michigan

1. Outstanding Liens & Unpaid Taxes

2. Fraudulent or Improper Deeds & Chain of Ownership

3. Easements, Survey Discrepancies & Boundary Disputes

4. Undisclosed Heirs or Failed Probate

5. Zoning, Use Restrictions & Historic District Impacts

6. Title Insurance & What It Covers

7. Special Considerations for Dearborn Area Properties

8. Steps for the Buyer in Dearborn to Mitigate Risk

9. Why this Focus Matters

Conclusion

Homebuying in Dearborn: Why Title Insurance Matters

What Is Title Insurance?

How Title Insurance Works

Why Title Insurance Matters in Dearborn

1. Older Homes Mean Longer Ownership Chains

2. Complex Property Histories

3. Heirs and Estate Transfers

4. Protection Against Fraud and Forgery

Real-Life Scenarios Where Title Insurance Saves the Day

The Cost of Title Insurance vs. the Risk of Not Having It

Choosing a Title Company in Dearborn

Final Thoughts: Protecting Your Piece of Dearborn

What Is Title Insurance?

How Divorce Impacts Title and Title Insurance

Ownership transfer and recording requirements

Title companies’ scrutiny of divorce decrees

Liens, judgments, and unaddressed spouse interests

Title insurance policy updates and owner’s protection

Why Title Insurance Matters in Divorce

Practical Steps for Couples (and Their Advisors)

Special Issues to Watch

Conclusion

1. Core Production & Workflow Platforms

2. Automation & Artificial Intelligence

3. eClosing, Remote Online Notarization (RON) & Client Portals

4. Data, Integrations & Analytics

5. Fraud Detection, Compliance & Security

6. Client Engagement & Marketing Tools

Conclusion

1. The Importance of Training in the Title Industry

2. Core Competencies Every Title Professional Should Master

a. Title Search and Examination

b. Legal and Regulatory Compliance

c. Escrow and Settlement Procedures

d. Technology and Data Security

e. Customer Service and Communication

3. Ethical and Professional Conduct

4. Continuing Education and Certification Standards

a. State Licensing and Renewal

b. National Certifications

5. Company-Level Training Programs

6. ALTA Best Practices and Industry Benchmarks

7. The Future of Title Training: Digital and AI Integration

8. Conclusion

Understanding Title Insurance

Why Title Insurance Is Important for Inherited Properties

1. Hidden Ownership Claims

2. Outstanding Liens or Debts

3. Estate and Probate Complications

4. Protection During Sale or Refinancing

Steps to Handle Title Insurance for an Inherited Property

Step 1: Confirm Ownership and Probate Status

Step 2: Obtain a Copy of the Existing Deed

Step 3: Order a Title Search

Step 4: Clear Any Title Issues

Step 5: Purchase a Title Insurance Policy

Step 6: Transfer the Title

Common Challenges and How to Overcome Them

1. Multiple Heirs Disagreeing

2. Missing Heirs or Beneficiaries

3. Unrecorded Deeds

4. Unpaid Property Taxes

How to Work with a Title Company

Final Thoughts

1. Understanding What a Title Is

2. What Are Hidden Liens?

3. The Title Search Process

4. Clearing Outstanding Liens