How To Get A Mortgage - Meet Your Title Insurance Companies

How To Get A Mortgage is your premiere guide to buying a house.

Coverage By Title Insurance Companies

Mortgage lenders require the purchase of a title insurance policy by anyone buying a house and borrowing money.

In addition to a policy that satisfies the mortgage lender's interests, an additional policy may be purchased by home buyers to protect their interests as well.

Protection By Title Insurance Companies

Title insurance companies protect policy holders against defects to title that occurred in the past, such as a forged deed. When buying a house, you want coverage against unknown and unrecorded claims to title.

Here's how I explained it to my clients. What if someone came to your door claiming her deceased parents owned your house. Because she inherited the parent's estate, she believes she has the rights to your property.

The title insurance company would defend your claim in court. That's why you need title insurance.

Tip: The title insurance policy consists of one original premium included in mortgage closing costs. The policy remains in affect until the house is sold.

Title Insurance Companies - One Of The Dream Team

To protect ownership and maintain possession of your home, title insurance companies are a needed addition to the Dream Team. The coverage and resulting peace of mind is well worth the cost.

How To Get A Mortgage - A Great Person To Know

Next in the Buying A House and Getting A Mortgage series - How do you choose a homeowners insurance agent?

Hint... You deserve more than the cheapest insurance premium.

Ask Kate Questions

Ask Kate is specifically designed to answer your questions and create dialog regarding mortgage financing.

A US Veteran with a title insurance question received this answer from Kate.

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Valuable Resources For Home Buyers - Meet Your Dream Team

How To Buy A House - Part 1 Meet your real estate agent

How To Buy A House - Part 2 Meet your mortgage lender

How To Get A Mortgage - Part 3 Meet your home inspector

How To Get A Mortgage - Part 4 Meet your real estate appraiser

How To Get A Mortgage - Part 5 Meet your title insurance companies

How To Get A Mortgage - Part 6 Meet your homeowners insurance agent

How To Get A Mortgage - Part 7 Meet your escrow and HUD 1 statement

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