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Answers (5)
- Jeanne Feenick, "TopNJAgent"
- Contributions:149
Have a great title rep - if you need a contact, let me know.
- Scott Berglund, "pvhomes"
- Contributions:491
Order a preliminary Title report from a Title Company..
- Dennis Knight, "The NJ Realtor"
- Contributions:58
If all you want is preliminary information, then contact a title company who can set up a title search for a fee. Another option is go to the hall of records and work out a deal with one of the title searchers there, and you should be able to pay them per search. These are all just preliminary results, for a starting point. If you were to purchase a property, then you would have another "official" title search done and also purchase title insurance. The insurance covers anything not recorded or mis-recorded. It's cheap security.
- Simone Tarnoff, "Simone Tarnoff"
- Contributions:5
title issues can be found through a real estate attorney or you can try and do the research yourself by going to your courthouse where the deeds are recorded...I recommend the real estate attorney.
Finding mechanics liens are a lot more difficult. Contractors have up to 90 days to file a lien so they will not show up on the title until they are filed.
The best solution is to purchase owner's title insurance at closing. The lender's title insurance is already taken care of at closing but it does not cover you.
If the liens have already been filed then the owner is required to remove any and all liens prior to the deed transfer/closing.
I hope that helps and brings peace of mind that you are not purchasing a property with liens or potential liens. If liens are filed after you close then the insurance will take care of them...which is what it's intended to do. Make sure that you inquire into enhanced owner's title insurance with your attorney...probably a good idea as well.
Finding mechanics liens are a lot more difficult. Contractors have up to 90 days to file a lien so they will not show up on the title until they are filed.
The best solution is to purchase owner's title insurance at closing. The lender's title insurance is already taken care of at closing but it does not cover you.
If the liens have already been filed then the owner is required to remove any and all liens prior to the deed transfer/closing.
I hope that helps and brings peace of mind that you are not purchasing a property with liens or potential liens. If liens are filed after you close then the insurance will take care of them...which is what it's intended to do. Make sure that you inquire into enhanced owner's title insurance with your attorney...probably a good idea as well.
- sunnyview
- Contributions:25139
You need to go through escrow to find those. You can run a preliminary title report and some of them may show up, but you need a full title service to make sure that you are getting the property free and clear of all liens.
i want to find if there are mechanics leins or title problems with a house?
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