Real Estate Title Company in Murfreesboro, Smyrna, La Vergne Area
Hyde Park Title & Escrow
Hyde Park Title & Escrow offers a full range of real estate title, closing and escrow services. We approach every transaction with three simple goals:
Simplify the process, provide dependable service, and close on time.
Simplified Title Services
Our team has worked in real estate in some form or another. We know first-hand the importance of the closing and the stress it can bring. Giving our clients the support and peace of mind that their research is done thoroughly is vital to our business. We go the extra mile because the extra mile is never crowded. As a result, our clients experience a simplified closing process.
Dependable Title Search
Clients have trusted us to handle their property because we are known for conducting trustworthy research and services. Thorough title search and examination informs our buyers and lenders of the financial strength of their investment. Sellers trust us to produce legitimate findings to help establish their deal.
A consultation allows us to understand your needs better. First time home buyers receive a free consultation when they choose Hyde Park Title & Escrow.
Closing Services for Middle Tennessee
The closing process is arduous but necessary. All of these legal documents are designed to protect both the buyer and the seller as they deal with valuable assets. A bump in the road could set you back. A delay in buying or selling a property could impact other aspects of your life. So, we’re here to drive an effective closing on time.
Middle Tennessee Title Services:
- Title Services
- Title Insurance
- Title Searches
- Closing Services
- Deed Transfers
- Power of Attorney
- Commercial Closings
- Residential Closing
- Escrow Agent
- Investor Transactions
- Title Opinions
- And More!
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The title is a document proving the right to ownership of real estate property. The rights include right of possession, right of control, right of exclusion, right of enjoyment, and right of disposition. Titles change hands as properties are bought sold and passed on through wills. Any time the title is transferred the county clerk’s record the information.
A title company will check the information associated with the piece of real estate and issue title insurance. They conduct thorough research on behalf of the buyers to confirm the property is free of defects and the person selling the property does, in fact, have the legal rights to sell the property. During the search, the title company will pull information on:
- Outstanding mortgages
They will also look for easements or encroachments that could challenge the ownership claim. When these results come back free and clear, the title company will issue title insurance on behalf or either the lender or buyer.
Title insurance is a policy protecting either the buyer or lender from title issues and defects. It will cover financial loss in the event defects arise.
Most lenders will require you to purchase title insurance to protect the loan. You aren’t required to buy title insurance if you buy the property in full without the assistance of a mortgage lender. However, you might want to purchase insurance because it will protect your investment. If someone comes forward claiming they are the rightful owner of the property, the title insurance will kick in to cover your rights to occupy and use the property as you wish and be free from debts and obligations that you didn’t create. It will include:
- Legal costs
- Loss compensation
- Resolving problems
- TItle search
- Proper picture identification (a Driver’s License, Passport or Picture Identification issued by the state)
- Spouse, if married (your spouse’s signature may or may not be required by your lender; please ask your Hyde Park Title contact if you are unsure)
- Certified funds for any amount exceeding $1,000 if you need funds to close.