Title Insurance

Whether you're purchasing real estate for the first time or your a seasoned veteran, our professionals are here to make the journey to homeownership easier on you. We go above and beyond to assure that you're experience in the real estate process is a good one. Whatever title services you need, our team is dedicated to the concept of eliminating as many potential title problems and  future losses as possible to insure that your ownership of the property will be peaceful and enjoyable.   
     
What is Title Insurance?
Title Insurance Protects Your Asset Title insurance gives you the assurance that possible clouds on title to the property you are purchasing - which can be discovered from the public records - have been called to your attention that such defects can be  corrected before you buy. Additionally, it is insurance that if any undiscovered claims covered by your policy  arises out of the past to threaten your ownership of real estate, it will be disposed of, or you will be reimbursed  exactly as your title insurance policy provides.
Are there different types of Title Insurance policies?
Yes. Most commonly, the two different types of title policies issued are lender's policies and owner's policies. The lender policy protects the lender's interest in the borrower's loan. The owner's policy protest's the buyer's investment in the property.

Notary Services

We always have a notary in the office, bring in your documents and your identification and we will do the rest.

Escrow and Closing Services

An escrow is an arrangement in which a disinterested third party, called an escrow holder or settlement agent, holds legal documents and funds on behalf of a buyer and seller, and distributes them according to the buyer's and seller's instructions. People buying and selling real estate often open a sale transaction with the settlement agent for their protection and convenience. The buyer can instruct the settlement agent to disburse the purchase price only upon the satisfaction of certain prerequisites and conditions. The seller can instruct the settlement agent to retain possession of the deed to the buyer until the seller's requirements, including receipt of the purchase price, are met.

Both rely on the settlement agent to carry out
faithfully their mutually consistent instructions relating to the
transaction and to advise them if any of their instructions are not mutually consistent or cannot be carried out.

Why do I need escrow?
Whether you are the buyer of the seller you want assurance that no funds or property will change hands until all of your instructions have been followed. With the increasing complexity of business, law and tax structures, it takes a trained professional to supervise the transaction.

Contract Collections
As a contract collections service we are an independent third party agent that receives and disburses payments on contracts and deeds of trust between private parties.
Our Services include accepting payments from buyers via mail or walk in's always welcomed, disbursing funds to sellers in a form of a check or deposit into their bank account, payment history and year-end interest reporting to the IRS.
Our Services also include payment coupons to buyers, and payment notifications to sellers as well as payoff quotes.
When the contract is paid in full we will record your documents with the Ferry County Auditor's Office and send all original documents to the appropriate parties