What is Title Insurance?

An insurance policy that provides protection against challenges to the title of a property. Stewart Abstract now offers enhanced policies that will continue to protect your property after you purchase it. These protections could include forgeries to your deed or mortgage, or issues that may encumber your property after it is purchased.

What is a settlement company?

Purchasing a home may be the single greatest investment a person will make in their lifetime. Settlement companies offer a wide array of products to help buyers, sellers, lenders, realtors, builder/developers and attorneys. Our staff takes care to locate issues before your scheduled settlement, and will handle them professionally, so your settlement can proceed.

What else can we do?

We can also handle the paperwork for your mortgage refinance.

Homeowners are still taking advantage of the lower interest rates to decrease their mortgage or consolidate debt. A Loan Coverage Title Policy is a requirement by all non-private lending institutions, which means if you have a mortgage, you’ll HAVE to have Title Insurance. It’s important to know your rights – and as a Pennsylvania consumer, it’s your right to shop for this coverage. The premium rate that you will be charged is Pennsylvania State regulated. No matter what company you choose for your Refinance, your Policy premium will always be the same rate and will be calculated based on your new loan amount.

We have our own searchers on staff!

Some attorneys or investors order a Present Owner Lien Search.  You’ll get copy of the current deed and a Report that includes a search parameter from the present to when the current owner purchased the property.  You’ll see if there are any open and recorded Mortgages, Liens, or Judgments against the property. People request

Present Owner Lien Searches for different reasons. Sometimes neglected properties are sold at Tax or Sheriff Sale, and prudent buyers researching a potential purchase request this kind of search.  Other times, the owners themselves (or their representative) will request this search as they are preparing to sell their home, to ensure that there are no unexpected items on the title to surprise them when they do secure a buyer.