The closing process on a new home is incredibly thorough. This can throw off first-time home buyers and even send seasoned buyers into a stressed state.

Since buying a home is known to be complicated, you need to pay extra attention to detail and take your time. There are a lot of regulations and challenges to navigate, and you need to have a working understanding of the process.

However, this is easier said than done. Eventually, you’re going to need the guidance of a real estate expert. As a title company, Heights Title is one of the professionals you can count on to give you quality guidance. A title company is responsible for title searches. This needs to be done well to avoid serious legal problems. You can rest assured that we provide quality work and services to keep you legally and financially safe.

Title Company in Oak Mountain, Alabama 

Whether you’re looking to buy, sell, refinance, or purchase commercial real estate, then let Heights Title be your Oak Mountain Title company. We will make sure that you enter your transaction well-prepared and protected.

The Heights Title Process

At Heights Title we cover all your title needs. This includes title searches, providing title insurance policies, and handling transaction funds in escrow accounts.

For title searches, we inspect government records of property ownership. This scrutiny is incredibly important so that you know there aren’t any stressful surprises. Knowing the property’s past will tell you what is possible in the present and future. Some issues that could arise are:

1. Unpaid liens
2. Easement issues
3. Any limitations on future development
4. Contested property ownership claims

You’ll want to know if any of these are a problem before you take ownership.

In addition to the title search, we’ll survey the property. This makes sure that the boundaries and conditions you were presented with are accurate to the actual state of the property. 

Once these are complete, you’ll receive title insurance as a mortgage borrower. The lender also gets title insurance to protect their stake in the property for the loan repayment period. Your insurance protects you financially and legally in case something is overlooked concerning the legal status of your property.

Our Real Estate Title Services

In addition to our title services for commercial and residential real estate, we also provide assistance in refinances. We do our best to make buying your title online seamless. We perform a preliminary search, a 30-year search, and much more.

What We Promise to You and Our Responsibilities

Real estate decisions are some of the biggest decisions people can make. It is a large financial move and can cause major stress. At Heights Title we understand that this can be a confusing process and we are committed to getting you through it as painlessly as possible.

A Title Company’s Role in Buying and Selling A Home

The good news is that you’ve found a home in Oak Mountain and are ready to begin the buying process. Here are some ways that Heights Title will help you during this:

1. Investigate and uncover any issues that may prevent you from taking ownership
2. Issue title insurance policies for you and your lender
3. Handle closing, including escrow accounts

All of these services are necessary to ensure that you are not entering into a less-than-ideal situation.

However, what about selling your Oak Mountain home that you’re moving out of? This may require a little more TLC on your end. Take an audit of what you can do to prepare for a successful sale.

1. Check your property for repairs. Take care of small and inexpensive ones to boost the value of your home.
2. Tidy up any clutter and collect your belongings. Too many personal details could prevent potential buyers from envisioning themselves living there.
3. Deep clean the home. Dirt and dust could also turn people away.

Once these are done and you’ve secured a buyer, they’ll contact a title company. You’ll have fewer responsibilities in the transaction than the buyer will but be aware of some common closing costs. Financially be prepared for:

•       HOA Dues
•       Real Estate Fees
•       Home Warranty Fees
•       Tax Transfers
•       Termite Bond Fees
•       General “Seller Paid” Fees

Your closing agent will have a more detailed list of your situation, but this is a good start. 

How Long Does the Process Usually Take?

Each real estate case is different and could take a longer or shorter time to resolve. For your legal and financial protection, do your due diligence at every stage of the home-buying process. If you have an older home, then the title search could take longer than a newer house. With more history comes more records to investigate. However, most cases don’t take longer than a couple of weeks. We’ll keep you updated on the progress of your search.

Heights Title in Oak Mountain, Alabama

We would love to help you with all your title needs in buying your Oak Mountain home! Contact us today by phone, email, or by filling out the form below. We’ll provide you with excellent service and guidance during this complicated endeavor.

Heights Title — Your Oak Mountain, Alabama Title Company

Give us a call, send us an email, or fill out the form below. We are waiting to hear from you, so reach out to us today!

How Can We Help?

Heights Title

Phone: 205-352-2344