This article covers the following:
When looking for title insurance, it’s essential to know the entities you should be working with. The most common approach for buyers and sellers looking for title insurance is to work with law firms associated with title insurance.
While you don’t need to be a lawyer to issue title insurance, there’s a lot that a standalone title company can not do, such as…
When you work with a real estate law firm that also offers title insurance, all of these matters can be handled in one place. At Dubyak Law Firm, we’ll take care of everything at once, whether the transaction is simple or complex. We have never not closed a deal; every time a client has wanted to close, we’ve found a way to make that happen.
Another important question to ask before settling on a title company in Florida is how long they have been in operation and the extent of their experience. More experienced firms have built more networks and are easier to work with.
There are several ways you can equate the experience of a title company. You can assess this by how many closings they have done. In our case, we have done thousands of local closings. Remember that simple checking how many years a company has operated may not give you the full picture. Instead, you should check the combined experience of the staff in the company.
Dubyak Law Firm has staff that have been handling real estate transactions for 25 years. Combine this with our legal knowledge and skill, and we have a wealth of experience to handle any title issues you might be facing.
When looking at the different options available to you in Escambia County, you should identify a company’s unique selling points before making any final decisions. Even though this factor doesn’t speak to the company’s ability or lack thereof to get the job done, it speaks to the experience you should expect when working with them.
In our case, our unique selling points are:
Our diligence and creativity make us a go-to in Escambia County. Another niche area we have experience with is mobile homes, which many title companies in Escambia County do not offer. In many cases, there’s a high likelihood that the mobile home title hasn’t been retired.
Often, owners sell the land and the mobile home without transferring the title to the mobile home. It’s not uncommon for us to have to track down the actual mobile home owner from three sales ago, and we offer unparalleled diligence and creativity when tackling these issues.
Yes, Dubyak Law Firm offers digital and remote closings, but it’s important to make sure your lender permits this. Nearly all lenders accept some e-signatures but may still require blue ink signatures on certain documents. It simply depends on the lender involved.
Our firm can also mail or FedEx documents with instructions showing you how to complete the paperwork. Everything will be tabbed, highlighted, and predated to show you where to sign. Then, you simply take the completed packet to a FedEx location.
Everyone working at FedEx is a notary; simply sign in front of the notary, and we’ll provide a return shipping label for the packet. FedEx sends it back, and we handle the closing.
Dubyak Law Firm can also provide RON (Remote Online Notary) services if your lender allows this.
A detailed process underlines the title search to ensure we cover all liabilities. One way we ensure accuracy during this phase is to follow our underwriter’s commitment guidelines.
First, we print out the commitment, then physically check off each step, and finally run a new title search a few days before closing to make sure no new issues have arisen. If any new judgments or liens appear, we address them beforehand. Though requirements vary by file, we make sure that we complete this process consistently each time.
We also have careful processes involved for resolving titles before closing. For these cases, we follow the commitment’s recommendations. If there are any issues or concerns, we’ll know how to identify the problem for you and solve it.
Before settling for a title company, be sure to be on the lookout for these red flags :
A lawyer-run title company is always a better choice. At Dubyak Law Firm, you’ll get the added value of having a real estate lawyer handle the process at no extra cost. We’ll respond to your questions via phone or email and run a thorough title search to ensure you close without stress, liens, or legal troubles down the road.
For more information on What You Should Ask Before Choosing A Title Company In Pensacola, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (850) 266-7822 today.