Sonic Title

Archives July 24, 2025

Quality Control in Title Searches: Our Process

Quality Control in Title Searches: Our Process

In real estate transactions, title searches play a crucial role in confirming legal ownership, identifying potential liabilities, and ensuring a seamless transfer of property. At [Your Company Name], we recognize that a single oversight during the title search process can lead to delays, disputes, or costly legal challenges for buyers, sellers, and lenders. That’s why we’ve implemented a rigorous, multi-step quality control process designed to eliminate errors, ensure accuracy, and deliver peace of mind.

In this article, we break down our approach to quality control in title searches—from initial intake to final review—demonstrating how our dedication to detail sets us apart in the title and escrow industry.

Why Quality Control in Title Searches Matters

A title search is the process of reviewing public records to confirm the legal ownership of a property and identify any claims, liens, easements, or encumbrances. These findings impact the ability to transfer title cleanly and affect the issuance of title insurance.

Quality control in this process is critical because:

  • Accuracy is everything: Errors in documentation, ownership history, or lien discovery can jeopardize transactions.
  • Timelines are tight: Delays caused by incorrect or incomplete title searches can stall closings and damage relationships.
  • Legal exposure is high: Faulty searches could expose parties to lawsuits, financial losses, and compliance penalties.

Given these risks, our team has developed a proven quality control system to ensure that every title search is accurate, thorough, and meets industry standards.

Step 1: Intake and Order Verification

Our quality assurance begins at the very first touchpoint: intake. When a title order is received, we confirm that all necessary information has been submitted, including:

  • Full legal names of all parties
  • Property address and legal description
  • Parcel numbers or tax ID
  • Type of transaction (purchase, refinance, etc.)

At this stage, any inconsistencies or missing data are flagged and corrected before the order progresses. This step prevents errors later in the process and sets the foundation for a clean title search.

Step 2: Preliminary Research

Before the official search begins, our title analysts perform a preliminary sweep of available data sources, including:

  • County assessor records
  • Tax roll databases
  • Previous title policies

This step helps verify property characteristics, ownership history, and jurisdictional boundaries. We use this data to prepare a tailored search strategy that addresses each property’s unique attributes, whether it’s residential, commercial, vacant land, or multi-parcel.

Step 3: Public Records Examination

Our researchers then conduct a thorough title search through multiple public record databases. This includes:

  • County Recorder’s Office
  • Clerk of Court databases
  • State-level deed and lien registries
  • Probate and bankruptcy court records

We look for the following:

  • Chain of title (current and previous owners)
  • Liens (mortgages, tax liens, HOA dues)
  • Judgments and lawsuits
  • Easements and rights of way
  • Restrictions, covenants, and zoning issues

Each document is reviewed manually by trained professionals, not just automation, ensuring no critical detail is overlooked.

Step 4: Document Validation and Cross-Referencing

Once records are gathered, our QC team validates the authenticity of each document. It cross-references them against one another to ensure accuracy. This helps identify:

  • Breaks or gaps in the chain of title
  • Conflicting ownership claims
  • Improperly recorded documents
  • Fraud indicators

We use a multi-point checklist for every file, ensuring that each document is matched, verified, and accounted for. For older properties, our analysts sometimes review records dating back 40 to 60 years to confirm title continuity.

Step 5: Lien and Encumbrance Clearance

During this phase, we ensure that all known liens or encumbrances are appropriately documented and addressed. This includes:

  • Confirming satisfaction or release of prior liens
  • Verifying payoff amounts for active mortgages
  • Reviewing HOA and tax statements for delinquencies
  • Resolving discrepancies between parties or lenders

If something is unclear or appears unresolved, the search is paused, and a resolution is initiated—either through communication with the county or legal counsel.

Step 6: Legal Review and Title Commitment Drafting

Once the search is complete and verified, our legal review team steps in to assess findings for compliance, risk, and insurability. They:

  • Flag any title defects
  • Recommend curative actions
  • Draft a preliminary title commitment
  • Outline exceptions and requirements for a clear policy

Our legal reviewers work closely with escrow officers and underwriters to tailor the commitment to each transaction, reducing risk and improving clarity for all parties involved.

Step 7: Secondary Review and Quality Assurance Audit

Before any title report or commitment is issued, a second team member—a senior title examiner or quality assurance specialist—conducts an independent review. This final QA pass confirms:

  • Document accuracy
  • Data entry integrity
  • Compliance with underwriter guidelines
  • Consistency with state-specific title standards

Any discrepancies are resolved internally before the file is marked complete. This peer-review approach minimizes human error and reinforces our “zero-defect” goal.

Step 8: Ongoing Training and Compliance Updates

Our commitment to quality doesn’t end with a completed file. We invest in ongoing training, compliance monitoring, and process improvement. Our staff is updated regularly on:

  • Changes in state and county recording standards
  • Updates to underwriter risk policies
  • New tools or technologies for search and analysis
  • Fraud detection best practices

We also conduct quarterly audits on randomly selected files to assess consistency, accuracy, and adherence to our internal standards.

The Result: Confidence, Clarity, and Compliance

Through this robust quality control process, we deliver accurate, timely, and insurable title searches that support seamless closings. Our clients—realtors, lenders, attorneys, and homebuyers—can count on us to:

  • Reduce errors and delays
  • Uncover and resolve title issues early
  • Deliver transparent, well-documented results
  • Remain compliant with regulatory and underwriting standards

Whether it’s a first-time home purchase or a multi-property commercial deal, our process is designed to scale with precision and reliability.

Conclusion

Quality control in title searches isn’t just a best practice—it’s the foundation of trust in every real estate transaction. At [Your Company Name], we’ve built our reputation on thoroughness, transparency, and a commitment to excellence. Our process ensures that every title search is more than just complete—it’s correct, precise, and confidently backed.

If you’re looking for a title company that prioritizes accuracy and accountability, contact us today to learn how we can support your next real estate transaction.

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!

 

The Importance of E&O Insurance in Title Work

The Importance of E&O Insurance in Title Work

In the real estate and title insurance industry, even the most minor oversight can lead...
How Title Companies Protect Your Personal Information

How Title Companies Protect Your Personal Information

When you’re buying or refinancing a home, a title company plays a vital role in...
Quality Control in Title Searches: Our Process

Quality Control in Title Searches: Our Process

In real estate transactions, title searches play a crucial role in confirming legal ownership, identifying...
How to Navigate Closing Title: A Step-by-Step Guide for Homebuyers

How to Navigate Closing Title: A Step-by-Step Guide for Homebuyers

Navigating the final stages of a real estate transaction can be both exciting and overwhelming—especially...
How to Expedite Your Title Search: A Complete Guide for Faster Closings

How to Expedite Your Title Search: A Complete Guide for Faster Closings

The title search process is a crucial but often overlooked step in real estate transactions...
How to Do Your Own Title Search: A Step-by-Step Guide for Homebuyers and Investors

How to Do Your Own Title Search: A Step-by-Step Guide for Homebuyers and Investors

Introduction When purchasing real estate, whether for a home or investment, it’s critical to ensure...
Understanding Your Title Insurance Premium in Michigan

Understanding Your Title Insurance Premium in Michigan

Purchasing a home or any real estate in Michigan involves a series of critical steps...
Questions to Ask Before Choosing a Title Company

Questions to Ask Before Choosing a Title Company

Buying or selling real estate is one of the most significant financial decisions many people...
Shopping for Title Insurance

Shopping for Title Insurance: A Consumer’s Guide

Title insurance is one of the most overlooked but vital components of the real estate...

Affiliated Business Arrangement Disclosure Statement
This is to give you notice that Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC have a business relationship. The nature of the relationship between the Referring Party and the provider(s), including percentage of ownership interest, if applicable, is: Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC are all 100% owned by the same party. Because of this relationship, this referral may provide any of the above parties with financial or other benefit.
A. Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for settlement of your loan on, or purchase, sale, or refinance of, the subject property.
THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
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 3rd 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.
B. Set forth below is the estimated charge or range of charges for the settlement services of an attorney, credit reportingagency, or real estate appraiser that we, as your lender, will require you to use, as a condition of your loan on this property, to represent our interests in the transaction.
Sonic Loans Inc. provides mortgage lender/broker services. Sonic Realty LLC provides real estate brokerage services. Sonic Title Agency LLC provides title insurance and settlement services.

Provider and Settlement Service Charge or Range of Charges
Appraisal Fee $0-$800
Credit Report Fee $63-$125
 Actual charges may vary depending on the lender and loan program selected which can be found on your loan estimate.

ACKNOWLEDGMENT

I/we have read this disclosure form and understand that Sonic Loans Inc., Sonic Realty, LLC, or Sonic Title Agency LLC are referring me/us to purchase the above-described settlement service(s) and may receive a financial or other benefit as the result of this referral.