Title Agency Production
SHIRO Title is very much equipped to deal with every phase of title agency production, from title search to preparation of different reports for title insurance and settlement organizations.
Search and Exam
i. Current owner search or O&E report – SHIRO performs the title search and prepares the title on the last owner in a title, and furthermore retrieve details on open lines, other encumbrances, and current expenses.
ii. Do your search – In addition to current owner search, SHIRO performs a search on the last two holders of the title and retrieves every single relevant report.
iii. Full title search – SHIRO carries out a full search for 20, 40 or 60 years according to the prerequisite, and retrieves details on chain deeds, open liens, easements or CCRs and duty information.
iv. Refresh search – SHIRO play out a title search from the available date of the current title report and combines it with the current date and retrieves every single relevant detail.
2. Property Report – SHIRO prepares the title report based on the title search for current owner or full title searches on the provided title, open liens, other encumbrances and current assessments.
3. Title Commitment – SHIRO prepares the responsibility report using the information in Schedule An (Effective Date) Proposed Buyer or Lender details, current owner and current deed’s recording information), Schedule B – Section 1 ( is a necessity), Schedule B – Section 2 ( is exceptions) and Schedule C ( is legal description).
4. Assess Certifications – SHIRO prepares a nitty gritty expense report regarding the matter property after getting details from the assessor or even county offices by calling, faxing or emailing.
5. Title Policies – SHIRO reviews title commitments and prepares the final title policies on customer’s application and offline template.
6. Title QC – Title audit is an important aspect of mortgage handling that protects the interests of both the borrower and the bank. SHIRO pays incredible attention to this procedure and reviews the title documentation to guarantee that the insurance property is free of any legal cases, liens, and lawsuits.
7. Easement plotting – After interpreting and backtracking the legal complex, and bounds descriptions, SHIRO plots them on the assessor maps or plans.