INITIAL REQUEST FOR TITLE PRODUCT
A title insurance order is opened with us which produces the initial response. A preliminary report can be issued with a minimum of information-without even identifying the buyer or the terms of the sale.

ON-SITE SEARCHING AND EXAMINING
We perform three initial searches: Property, Name, and Tax. From that information, a preliminary report is created.

TECHNICAL REVIEW
The skill and expertise of our title officer is the key to providing you with a useful, accurate title report.

Following issuance of the initial report, the title officer makes their technical analysis of the documents of record.

An interpretive view of all recorded matters is then made to evaluate their impact on the title to the subject property.

INSPECTION ANALYSIS
In anticipation of ALTA coverage, a site inspection is ordered. From the inspection report, the initial title product is supplemented to show any encroachments or other discoverable off-record matters which would ultimately impact title.

Re-Insurance
The title insurer will insure up to the total sale price or loan amount, and then employs another title insurance company to insure them. The premium paid to the re-insurance title company is deducted from the title fees; it is not an additional charge to the parties. Re-insurance is handled by the Title Department when requested by the proposed insured or is required based upon self-imposed or statutory title insurance limits.

Co-Insurance
The proposed insured may only allow the title insurance company to insure up to a certain amount (i.e. not the total sale price or loan amount). The insuring company must employ another title insurance company to insure the remainder of the sale price or loan amount. When there is co-insurance, the customer is charged based upon each company’s filed rates for the portion of the total liability covered by that company. The co-insurance company may be chosen by the customer.

WE EARN YOUR RESPECT WITH OUR SKILL, SERVICE AND SOLUTIONS
We identify impediments to closing, offer assistance and solutions, understand the sometimes delicate balance of the interests of the parties to the transaction, and professionally and courteously handle issues as they arise.

Technology & Title/Escrow Services

Cleveland Home Title's advanced technical capabilities and team approach to delivering title and escrow services combine our skilled and customer-focused staff, supported by a substantial investment in cutting edge technologies. It is your assurance of consistent quality, resourcefulness and professionalism.

Our staff uses a proactive approach to overcome potential obstacles and keep you informed of the status of your transaction at all times by utilizing our interactive web-based transaction management system. This system allows sellers, purchasers, borrowers, brokers and lenders to share information by posting documents to a secure website for review and comment. In utilizing our transaction management systems, each participant of a particular transaction will receive automatic email notification of postings and status of tasks keeping you constantly informed of the progress of your transaction. By understanding the delicate balance of the interests of the parties to a transaction and professionally handling issues as they arise, we capably guide the parties to a successful closing.

Our relationships with our national underwriters allows us to assist our commercial customer as a one-stop, single source for commercial title needs involving multi-site and interstate transactions.

We customize our services to accommodate your needs, and can handle escrow details in every jurisdiction in the nation.

Escrow Operations

Look to Cleveland Home Title when your success is dependent on the highest level of performance to meet your time sensitive transaction requirements.

Commercial Escrow Operations
Commercial/Industrial and Subdivision leases, acquisitions and financing transactions are as individual and complex as their multi-million dollar price tags. Real estate professionals rely on the experienced abilities of Cleveland Home Title's escrow team. Talented Senior Escrow Officers assure that when any single site (and, every multi-site) changes hands, all requirements of the participants are fulfilled.

Our escrow customers are attorneys, brokers, principals, bankers, trust officers, developers and private parties. Cleveland Home Title's experienced escrow officers can handle personnel with years of hands-on experience and training, can handle any level of complexity presented in an escrow.

• Multi-site Transactions
• Purchase and Sale
• New Home Sale-outs
• Refinance / Loan Modifications
• Settlement Escrows
• 1031 Tax-Deferred Exchanges
• Holding Escrows
• Bulk sales

Processing, Tracking And Scheduling
Our escrow officers track documents and funds throughout the course of the escrow, constantly advising the parties and their representatives of the status and of what is needed to close. As the closing date approaches, the parties are assisted by our escrow officers in obtaining all necessary documents. The receipt of funds is confirmed, the escrow is closed by recording documents, handling payoff and disbursement, and by immediately providing the closing package in a prompt and efficient manner.

Foreign Countries Where We Can Issue Title Policies

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