Title Searches & Title Examination
Our in-house team conducts exhaustive title searches through county records, tracing the chain of title back decades. We identify every lien, easement, encumbrance, judgment, and defect — then prepare a detailed title abstract so you know exactly what you are buying. Every examination is reviewed by an experienced title attorney before the commitment is issued. In Tennessee and Georgia, where property histories can stretch back generations, thorough title work is not optional — it is essential.
Title Insurance — Owner's Policy
An owner's title insurance policy protects your equity for as long as you own the property. If a covered title defect surfaces years after closing — an undisclosed heir, a forged deed, a missed lien — your policy covers legal defense costs and financial loss up to the policy amount. It is a one-time premium paid at closing with lifetime coverage. We issue policies through the nation's most trusted underwriters, giving you ironclad protection you can count on.
Title Insurance — Lender's Policy
Required by virtually every mortgage lender, the lender's title insurance policy protects the lender's security interest in the property. We issue lender's policies in coordination with the owner's policy, ensuring both you and your lender are fully protected from the moment of closing. Our simultaneous issue rates mean you pay significantly less when both policies are issued together.
Title Clearance & Curative Work
When a title search uncovers clouds on title — old liens, missing signatures, boundary disputes, unreleased deeds of trust — our curative team goes to work. We contact lienholders, negotiate releases, obtain quiet title judgments when necessary, and resolve every issue before your closing date. No problem is too complex. We have cleared title issues ranging from century-old mineral rights claims to recently discovered probate gaps — and we do it without delaying your closing.
Deed Preparation
We draft all types of deeds — warranty deeds, quitclaim deeds, special warranty deeds, and fiduciary deeds — with exacting attention to legal descriptions, vesting language, and recording requirements. Every deed is reviewed by counsel and prepared in compliance with Tennessee and Georgia statutory requirements. Proper vesting is one of the most overlooked details in real estate transactions, and getting it wrong can create title problems that surface decades later.
Document Preparation & Review
From the purchase agreement through the HUD-1 or Closing Disclosure, we prepare and review every document in your closing package. We cross-check lender instructions, verify prorations, confirm payoff figures, and ensure every figure on the settlement statement is accurate to the penny. Our document review process catches errors that other title companies miss — saving you money, time, and legal headaches.
Notary Services
Our team includes commissioned notaries public who can notarize deeds, affidavits, powers of attorney, and all other closing documents. We offer both in-office and mobile notary services throughout our service areas in Tennessee and Georgia. For out-of-state signers, we coordinate with qualified notaries in your area and handle remote online notarization where permitted by law.
1031 Exchange Coordination
For investors executing like-kind exchanges under Section 1031 of the Internal Revenue Code, we coordinate with your qualified intermediary to ensure the exchange timeline is met, funds are properly held, and title transfers are sequenced correctly — so your tax deferral remains secure. Missing a 1031 deadline by even one day can trigger a six-figure tax liability, which is why we treat exchange transactions with an extra layer of urgency and attention.
