Title Company in Tuscaloosa, AL
You may be caught off guard if you are a first-time home buyer. It takes many hands to make it to the closing table. There are regulations to keep you safe, but they can be challenging. Title companies help navigate home buying by ensuring the property has a clean title before closing escrow.
You will need guidance from real estate experts and closing professionals to manage your home-buying transaction. Your title company will be one of those closing professionals (or a team of professionals).
A title company is responsible for conducting title searches – an investigative process that can save you from serious legal problems. At our title company in Birmingham, AL, Heights Title, we’ve built our reputation on quality work, and our services keep you legally and financially protected in your transaction.
If you’re looking to buy, sell, refinance, or even purchase commercial real estate, Heights Title is the title company here to help. Let us be your title company in Tuscaloosa, AL.
How to Choose a Title Company
You don’t have to struggle through the home-buying process alone. Take the first step in Tuscaloosa, AL by finding a quality real estate agent who can put you on track to assembling the rest of your team. An excellent local real estate agent will know the area and have all the necessary contacts — they’ll likely be able to recommend a title company, home inspector, and closing attorney. Real Estate Agents in Alabama don’t just know the local housing market. They know the local real estate industry as a whole. Use their connections to your advantage.
Ultimately, go with a Title Company in Tuscaloosa, AL you trust, offering you a fair deal.
Our Process At Heights Title
With so many moving parts in the real estate market, it’s easy to confuse who does what job and why. To clarify, title companies like Heights Title in Tuscaloosa, Alabama perform title searches, provide title insurance policies, and handle transaction funds in escrow accounts.
We undertake a title search by carefully scrutinizing government records of property ownership. The point here is to ensure everything is legitimate and there aren’t any nasty surprises lurking in the property’s past. Such nasty surprises might include—
- Unpaid liens
- Easement issues
- Any limitations on future development
- Contested property ownership claims
Any liens or claims on the home must be resolved before closing can be completed.
The Heights Title team will have a survey of the property done. The survey will confirm the property lines and condition of the home as it currently is. You don’t want to be cheated out of the margins of your property.
After the title search and survey, you’ll be issued title insurance as a mortgage borrower. This policy will ensure that if something were neglected concerning the legal status of your property, you’d be protected financially and legally from the repercussions. We also issue title insurance to the lender, protecting their stake in the property for the loan repayment period.
Our Promise to You
Buying a home is often the most significant purchase in someone’s life. Undertaking a property transaction is a significant process. Heights Title in Tuscaloosa, AL understands, and we’re here to help you through it. Whether you’re buying, selling, refinancing, or looking for commercial property, our title company in Tuscaloosa, AL has the guidance and expertise you’ll need.
Selling Your Home In Tuscaloosa, AL
If you’re looking to sell your home in the Tuscaloosa, AL area, Heights Title can make selling your home a little more manageable. We will review what you can do to prepare your home for sale and help with the title process.
Check your property for any needed or unfinished repairs. Minor, inexpensive repairs can make a massive difference in the value of your home. Clean up around the house and collect any personal belongings. Removing any identifying information that may have your name on it is important. Consider having a deep cleaning of the house done.
Once your home has been on the market, and an interested buyer has been secured, the buyer will set up an appointment with a title company. As the seller, you’ll have fewer responsibilities in the transaction than the buyer, but there are expenses you need to be aware of.
You will want to prepare financially for closing costs. These costs may include the following:
- Real Estate Fees
- Tax Transfers
- Home Warranty Fees
- Termite Bond Fees
- General “Seller Paid” Fees (as designated)
- HOA Dues
Other items may be included. Consult your closing agent for a full breakdown of closing costs.
Buying A Home In Tuscaloosa, AL
Once you have found a home to purchase in Tuscaloosa, AL and are ready to move ahead with the transaction, Heights Title will do a few things to get started:
- Determine and address any issues that may prevent you from taking ownership
- Provide title insurance policies for you and your lender, and
- Handle closing, along with closing escrow accounts.
We’re looking forward to serving you in the Tuscaloosa, Alabama area. We’ll take care of the details to get you into your new home.
Title Insurance and Refinancing Your Home
Maybe you’re neither buying nor selling your home in the Birmingham, Alabama area. If you’re instead looking to refinance, you may have a separate question.
If I’m refinancing, do I need a new title insurance policy?
Well, yes and no.
Your title insurance policy as the homeowner will remain until you no longer own the home. You will not need a new policy. But, the lender’s policy only lasts as long as the current loan terms. You’ll need another lender’s policy if you refinance with new terms or another institution.
How Long Does the Process Take?
Some closings happen quickly. Others may be delayed due to an issue with the home inspection or title. For the title search, the age of the house will be the biggest decider in how long the search takes. A more extended ownership history means more records to investigate and authenticate. Generally speaking, the full title search shouldn’t take more than a few weeks.
Heights Title Reviews
Heights Title is devoted to ensuring all our clients receive the best service they can get in Mountain Brook, Alabama. We’re proud of our professional team and we’re proud of what our clients have to say about us.
“Heights Title is ALWAYS part of my A-team because they have a true servant’s heart and will do everything possible to avoid surprises for my clients and deliver things in an accurate and timely manner. I know my clients are in GREAT hands when I use Heights Title for title needs and Daniel Odrezin for the closing attorney. Thank you guys for being AMAZING!!!”
Join The Heights Title Team!
Looking for a rewarding career in the title industry? Heights Title in Mountain Brook, AL is always searching for top talent to join our team. If you have great attention to detail and a passion for helping people we would love to hear from you! Give us a call today at 205-352-2344 or contact us online.
This material is provided as a courtesy and for educational purposes only. Please consult your title professional for specific information regarding your situation.
Heights Title — Your Mountain Brook Heights, 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?
3138 Cahaba Heights Rd 100B
Birmingham, AL 35243