Clear Abstract Services Inc.

Hidden Liens & Title Disputes: The Issue + The Insurance Fix

A photo showing closing costs and house keys , the section is about common problems homebuyers face.

The Common Problem

Many first-time buyers overlook property title insurance until closing day. Issues like unpaid taxes, missing signatures, or disputed ownership can surface later. Without the right coverage, you could face legal battles and unexpected costs.

A photo of a couple receiving the keys to their new home because of our title insurance search

Our Solution

We use a thorough title search to reveal any ownership problems before you close. Our title company then provides the right policy to protect you against lawsuits, liens, and other claims. According to industry experts like the American Land Title Association (ALTA), a clear title search reduces the risk of future disputes.

Title Insurance: Protect Save and Succeed in Your New Home!

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The Benefits Of Working With Clear Abstract Services

Financial Security: Lower your cost at closing by identifying potential problems early.
Less Stress: Our experts handle the legal details so you can focus on moving into your new home.
Long-Term Savings: Avoid costly fees from surprise claims down the road.
Transparent Process: We walk you through every step, from mortgage calculator assistance to rate calculator mortgage comparisons, ensuring you understand each cost closing detail.

Title Insurance Unveiled: A Step-by-Step Path to Protection

Initial Consultation

Speak with our friendly staff before you start looking for a home. We explain the difference between owner’s and lender’s title insurance and provide a home mortgage calculator to estimate your budget.

Title Search

We examine public records for liens, judgments, and other red flags.

Underwriting

Our underwriters confirm that all requirements are met and issue a policy that protects your property investment.

Closing

We collaborate with your lender to finalize documents and reduce your overall calculator closing costs

Ongoing Protection

Your policy continues to safeguard your home against hidden claims for as long as you or your heirs own the property.

Frequently Asked Questions

Please reach us at Fran@ClearAbstractServices.com if you cannot find an answer to your question.

What is a title search?

A title search is a detailed examination of all public records that involve title to a specific property. It is conducted to verify that the seller has the right to sell the property and that there are no liens or other claims outstanding.

What is title insurance?

Title insurance is a policy that protects the insured from financial loss due to defects in the title to a property. It covers errors in public records, liens, encumbrances, and other issues that may impact ownership rights.

What are closing costs?

Closing costs are fees associated with the purchase of a property that are paid at the closing. They can include appraisal fees, title search fees, attorney fees, recording fees, and other charges.

How Can I Lower My Closing Costs?

Comparing fees and getting quotes from multiple providers can help. Tools like a calculator for refinancing and a rate calculator mortgage also give insight into potential savings.

Does It Protect Against Future Issues?

Yes. Your policy stays active as long as you own the property, safeguarding against claims that surface later.

Why is it a good idea to speak with a title company before searching for a home?

Speaking with a title company before searching for a home is a good idea because they can provide valuable information about potential title issues with properties in your desired area, allowing you to make informed decisions about which homes to consider and avoid potential legal problems or delays during the buying process, essentially protecting your investment by understanding the risks involved with specific properties early on.

What's Owner's Title Insurance?

An owner's policy provides assurance that the title insurance company will stand behind the owner if a covered title problem arises after the home is purchased. It is issued in the amount of the real estate purchase.

What's NOT Covered by Your Title Insurance Policy

Title insurance primarily focuses on the title's integrity and ownership history, not the physical condition of the property itself. It won't protect you against issues like structural problems, faulty plumbing, or a leaky roof. That's where a thorough property inspection comes in handy.

Who Pays For Title Insurance?

If the buyer is getting a mortgage then the buyer needs to buy a title insurance policy to protect the lender going forward. In a cash deal, buyer and seller each pay their own attorney and split the cost of the seller's title insurance and the costs to close

Ready to Get Started?

Better yet, see us in person by appointment only.

Secure your dream home with the right property title insurance coverage. We’re here to help you calculate mortgage payment needs, review cost closing options, and make sure your investment in Suffolk County stands on solid ground.

Call us today at or Request a Consultation Online. Let our expert title company streamline your closing process, reduce risks, and give you peace of mind.

Clear Abstract Services Inc.

8 Nancy Place Selden NY 11784

+1.631.320.1044

Hours

Mon	09:00 am – 05:00 pm
Tue	09:00 am – 05:00 pm
Wed	09:00 am – 05:00 pm
Thu	09:00 am – 05:00 pm
Fri	09:00 am – 05:00 pm
Sat	Closed
Sun	Closed