The Importance of Clear Title for real estate

ONLINE TITLE AND LIEN SEARCH: Protecting Your Real Estate Investments

U.S. Title Records stands as America’s primary resource for property records, lien searches, title searches, and property information, serving all 50 states plus the United States territories of Guam and the U.S. Virgin Islands. Our network of title plants, county recorder database subscriptions, and certified local abstractors in every county position us at the top of the resource list for real estate investors, professionals, mortgage lenders, financial brokerages, equity groups, and attorneys.

Why Title Research Matters

Our comprehensive title research services make real estate acquisitions and management significantly easier. Unfortunately, many overlook the critical importance of proper title search and research when conducting real estate transactions.

During the housing bubble prior to 2008, properties, mortgages, and securities frequently changed hands in enormous transaction chains without proper updating and management of title records. This negligent approach to researching and certifying property ownership has resulted in devastating financial consequences for many buyers.

Real-World Consequences of Inadequate Title Research

Title disputes can lead to damages ranging from minor inconveniences to severe financial losses. Proper research and documentation are essential to avoid or minimize such risks:

The Ibanez Case

In Massachusetts, mortgages granted to buyers were packaged into securities and sold multiple times. When the Great Recession hit and many mortgages defaulted, the title records for these properties were severely outdated. The consequences were enormous—sales of foreclosed properties made years earlier were invalidated because sellers couldn’t demonstrate clear ownership.

Zombie Titles

Many families who vacated properties after receiving foreclosure notices later discovered they remained legally responsible for the property until the bank finalized foreclosure. This resulted in unexpected tax burdens, homeowner association assessments, and maintenance costs for properties they believed they no longer owned.

Protecting Your Investment

Issues involving inheritance, sales, and foreclosures can create legal quagmires for property owners and mortgage lenders alike. The essential first step in ensuring a property’s title is in order is to thoroughly research its history and obtain all relevant documents.

For comprehensive title search services, contact U.S. Title Records today to protect your real estate investments.