Our Services
We Offer a Range of Services to Meet Your Needs
Confidently close on your property with us. Our services can cover every aspect of the title and closing process, from providing title reports to facilitating the transfer of funds to recording all of your documents, and issuing your final title policy.
Escrow Services
Escrow is a neutral third-party service that holds onto funds and documents until all conditions of the transaction are met. Escrow services provide a layer of protection for all parties involved in the transaction, ensuring that funds and documents are handled securely and fairly.
We act as the escrow agent for real estate transactions, to coordinate the exchange of documents between the buyer, seller, and lender.
Residential Construction
Building a new home? Let us guide you through the process! We're happy to assist clients with the often-complicated process of building or renovating a home while ensuring that all necessary legal and financial considerations are addressed.
We provide a range of construction services for residential properties, including title research and examination, conducting the construction loan closing, issuing title insurance, and coordinating the payments to subcontractors throughout the life of the construction loan.
Commercial Construction
We can help our commercial clients with their real estate transactions, including title research and examination, conducting closings, escrow services, and title insurance. As with residential construction loans, we facilitate the payment to subcontractors and collect lien waivers throughout the life of the construction loan.
Title Examinations
A title examination is a comprehensive review of a property's ownership history, liens, encumbrances, and other potential issues that could affect the title. Title examinations are conducted by our experienced title examiner who reviews public records, including deeds, mortgages, judgments, and other documents, to ensure that the property's title is clear and marketable.
If any issues are discovered during the examination, we will work with all parties involved in the transaction to resolve them before closing. A clear title is essential to any real estate transaction, and title examinations provide peace of mind to buyers, sellers, and lenders that the property's title is free from defects.
Title Commitments
A title commitment is a preliminary report that outlines the conditions that must be met before a closing can occur and a title policy can be issued. The title commitment includes information on the property's ownership history, liens, encumbrances, and other potential issues that could affect the title. It also outlines any requirements that must be met before the title can be transferred or a mortgage can be issued. The title commitment provides the buyer and the lender with the opportunity to address any issues before closing and to ensure that the property's title is clear and marketable.
We work with all parties involved in the transaction to resolve any issues and ensure a smooth closing process.
Owners & Encumbrances Reports
An Owner and Encumbrance (O&E) report is a summary of the public records associated with a particular property, including the current owner, any liens, or other encumbrances that affect the property's title. O&E reports provide an overview of the property's ownership history and any potential issues that could affect the title.
Abstracting & Title Research
Abstracting is the process of reviewing public records related to a specific property to create an abstract, which is a compilation of the history of the property's ownership and title. Title research involves examining the abstract, public records, and other documents related to the property to identify any issues that could affect the title, such as liens, encumbrances, or ownership disputes.
We work to ensure that the property's title is clear and marketable and to identify any potential issues that need to be resolved before closing. Abstracting and title research are critical components of any real estate transaction, as they provide important information that helps buyers, sellers, and lenders make informed decisions and ensure a successful closing process.
1031 Tax-Deferred Exchanges
A 1031 tax-deferred exchange is a process in which an investor can sell a property and use the proceeds to acquire another property without paying taxes on the capital gains from the sale. We provide services to facilitate a 1031 exchange, including escrow services and title insurance. We work in tandem with a 1031 exchange company to ensure that the necessary documentation is completed to comply with the IRS requirements for a tax-deferred exchange.
Closing/Real Estate Document Preparation
We assist in preparing all the necessary legal documents for the transaction, such as deeds, tax documents, and closing statements. We work closely with all parties involved in the transaction, including buyers, sellers, real estate agents, and lenders, to ensure that all necessary documents are accurate, complete, and in compliance with all legal requirements. The document preparation process also involves verifying and recording all the necessary information related to the property, such as liens, judgments, and taxes, to ensure that the transaction is legally sound. This helps to minimize the risk of disputes and ensures a successful and stress-free closing process.
Notary Public
A notary public is a public official who is authorized to witness and certify the signing of important legal documents. At CTS, we offer notary public services to ensure that all legal documents are properly executed, reducing the risk of disputes or legal challenges in the future.