Homeowner Services

  • Title Insurance
  • Closing Services
  • Escrow Services
  • Loss Mitigation

Title Insurance Services

When you purchase a home, you’re given the deed to your property and receive full legal ownership of that property. At Complete Title Services of Southeastern Michigan, it is our job to see that your most significant investment, your home, is secure.

Having title insurance safeguards ownership of your property and can save you money, time and stress from any legal issues.

Sometimes there are mistakes in a prior deed, will or mortgage that may cause a problem for you. Title insurance guarantees that there have not been any title problems prior to the time a policy holder takes the title.

If you do not choose to purchase title insurance, you are accepting the seller’s word that there are no problems with the property. That means there are no ownership disputes, no encroachments, no unpaid taxes, or any other issues that could prevent you from enjoying your new home.

Title insurance coverage typically protects you against:

  • Errors: Incorrect information in deeds, mortgages, public records, etc.
  • Liens: Claims against the property or the seller which become the new owner's responsibility after the sale
  • Claims to Ownership: Claim by another family member who was not mentioned in the estate will
  • Invalid Deeds: Transfer by a previous seller who did not actually own the property or by a previous owner who was not mentally competent

Closing Services

Whether purchasing a new home or refinancing, our staff understands buying and selling a home can be stressful. Our experience and knowledge will provide you with a smooth transition into your home.

We will be in contact with you during every step of the closing process.

Be sure to review the following and ask questions if you are unfamiliar with any of these steps.

  • Review title commitment information
  • Coordinate clearing of title problems
  • Order pay-off information for existing liens
  • Prepare settlement statement showing disposition of all funds
  • Prepare closing documents
  • Receive and review lender's closing instructions and documents
  • Schedule closing, informing all parties of date, time and place
  • Conduct the closing of the new mortgage transaction for the lender (if applicable)
  • Conduct the closing with both buyers and sellers if the transaction is cash, assumption or contract for deed transaction
  • Disburse all funds including funds in escrow subsequent to closing
  • Assure all applicable documents are recorded with county records office