Guide to the
Title Search Process for Macomb Township Real Estate Transactions
What is a Title Search?
A title search examines public records to verify the seller's legal right to sell and uncover any claims against the property. According to Sonic Title experts in Metro Detroit, this process is essential to ensure a smooth and secure transfer of ownership, protecting both buyers and lenders from potential disputes.
Why is a Title Search Necessary?
The Sonic Title team has found that a thorough title search is critical for identifying any legal issues, such as liens, encumbrances, or other claims that could affect the property's title. This step ensures that the buyer receives clear ownership, free from any unexpected legal burdens.
What Records Are Examined?
A common question we frequently hear at Sonic Title is: "What records are examined during a title search?" The answer is that the search involves reviewing a variety of documents, including deeds, mortgages, tax records, and court judgments. In Macomb Township, these records are typically accessed through the Macomb County Register of Deeds.
Common Title Issues Found in Michigan
In our years serving Macomb Township families, Sonic Title has identified several common title issues, including unpaid property taxes, unresolved liens, and errors in public records. About 30% of title searches uncover issues that require resolution before closing.
How Long Does a Title Search Take?
One of the most common challenges we help Michigan families overcome is the timely completion of a title search. Generally, a title search in Macomb Township can be completed in 5 to 10 business days, depending on the complexity of the records and any potential issues that may arise.
What Happens if Problems Are Found?
If title issues are discovered, Sonic Title works diligently to resolve them before closing. This might involve negotiating with creditors, correcting documentation errors, or clearing liens. Our team's local expertise ensures these problems are handled efficiently, minimizing delays.
A title search is the process of examining records, while title insurance protects against future disputes over ownership. This insurance covers any claims or legal fees that might arise after the purchase, providing peace of mind for both buyers and lenders.
Who Pays for the Title Search?
In Michigan, the cost of a title search is typically negotiated between the buyer and seller. However, it is common for the buyer to cover this expense as part of the closing costs. Sonic Title provides clear, upfront pricing to help you budget effectively.
How to Read a Title Commitment
Reading a title commitment can be daunting. It details the property's legal status, including any encumbrances, and outlines the conditions that must be met for insurance coverage. Sonic Title offers guidance to help you understand this document, ensuring you're fully informed before closing.
Protecting Yourself as a Buyer
To protect yourself, work with a trusted title company like Sonic Title. Our team ensures every detail is checked, providing you with the confidence to proceed with your purchase. With over thousands of closings in Metro Detroit, our commitment to thoroughness and speed is unmatched.
Whether you're buying a new home or refinancing, understanding the title search process is crucial. For personalized assistance and expert guidance, contact Sonic Title at (313) 251-5145. Our team is here to ensure your real estate transaction in Macomb Township is handled with precision and care.
Fair Housing Notice: We are committed to the letter and spirit of the Fair Housing Act.
We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, or disability.
Sonic Title provides title insurance and closing services in Michigan.
Title insurance policies are underwritten by licensed underwriters.