The goal of our team is to provide the highest quality title insurance products and services available to the real estate industry today. We are equipped with a comprehensive knowledge of state specific title insurance requirements and recording guidelines.
As your service partner, York Title delivers product turn times that seamlessly complement your unique process.
We closely manage the entire title process from order activation to policy delivery, protecting the quality of your transaction and ensuring your client’s satisfaction every step of the way.Our fully customizable product/service packages are designed to simplify the process and save time when it counts the most – at the closing table. Contact us today and discover for yourself why York Title is the only choice for your title, appraisal and settlement needs!
What Is It?
Title Insurance is an insurance policy to guarantee your ownership against claims, liens or judgments that might arise after your purchase or loan has been completed.
As your title insurance provider, we research and certify ownership of real estate before it is bought, sold or refinanced. We search state and municipal public records for the property and persons in the transaction. Our investigation is thorough and complete. We notify you and your attorney or lender of any claims that may challenge your ownership or the new loan on the property.
If an issue somehow did not surface during our investigation, your policy insures that we take responsibility.
What it protects?
Subject to its terms and conditions, a title policy covers the following title risks, if they affect title to the insured property on the policy date:
- Someone else owns an interest in the title.
- A document is not properly signed, sealed, acknowledged, or delivered.
- Forgery, fraud, duress, incompetency, incapacity or impersonation.
- Defective recording of any document.
- Lack of legal right of access to and from the land.
- There are restrictive covenants limiting the use of the land.
- There is a lien on the title because of:
– A mortgage or deed or trust
– A judgment, tax or special assessment.
- Others have rights arising out of leases, contracts, or options.
- Someone else has an easement on the land.
- Title is unmarketable, which allows another person to refuse to perform a contract to purchase, to lease or to make a mortgage loan.
- You are forced to remove your existing structure other than a boundary wall or fence because:
– it extends onto adjoining land or onto any easement
– it violates a restriction shown in the policy.
- Other defects, liens or encumbrances.