Construction Loan Title Search, What Lenders Check First
Building changes the risk picture. Mechanic's liens can relate back, the lender funds in stages, and the search runs more than once.
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Plain-English articles on what the county record shows and what a title search covers, alongside sample reports, reference guides and quote forms, written by the certified abstractors who produce the reports every day.
Building changes the risk picture. Mechanic's liens can relate back, the lender funds in stages, and the search runs more than once.
Read articleAgricultural land carries water rights, severed minerals, grazing leases and conservation restrictions that a residential search would never look for.
Read articleA condo unit is defined by a recorded declaration, not just a deed. What the land record shows about assessments, amendments and shared ownership.
Read articleBoth routes out of a distressed mortgage turn on the junior liens rather than the first. What the record has to show before either one can close.
Read articleA brand-new house sits on land with an old record. Subdivision covenants, unreleased construction loans, and contractor liens all outlive the build.
Read articleIn a land contract the seller keeps the deed for years. What the record shows about who owns the property, and what the buyer is actually protected by.
Read articleA 1031 exchange runs on deadlines that do not move. What the title search has to confirm on the replacement property, and why ordering late is the expensive mistake.
Read articleMost of a title search timeline is decided by the county, not the searcher. What makes one property fast and another slow, and what you can do to speed yours up.
Read articleA lien search asks what is owed against a property or a person. Which claims are recorded, which live at a court or a city, and what a clean result actually means.
Read articleA refinance needs proof that your lender will be in first position. What the search covers, the surprises that delay closings, and how to clear them early.
Read articleA chain of title traces every recorded transfer of a property in sequence. What breaks a chain, what a gap actually means, and how to choose the right search term.
Read articleCommercial parcels carry entity owners, recorded leases, UCC fixture filings and assessments a residential search never looks for. Here is what belongs in the scope.
Read articleWhether a manufactured home is real property or personal property changes which records hold the liens. How affixation, de-titling, and search scope work.
Read articleRooftop solar financed rather than bought outright often leaves a lease, a UCC fixture filing, or a PACE assessment in the land records. What a search finds.
Read articleRaw land carries risks a city lot does not: no recorded access, severed mineral rights, stale legal descriptions. What a land title search checks before you buy.
Read articleInherited a house or land? A title search shows who the county says owns it, what liens survived, and which heirs have to sign before it can be sold.
Read articleCertified abstractors, county-verified records, and clear turnaround times — nationwide.