Why do I need title insurance at all?
Every property has a history, and that history can hide problems — missed liens, errors in public records, undisclosed heirs, even fraud. Title insurance is the protection that catches and covers those problems so they don't become your problem after closing.
What's the difference between a lender's and owner's policy?
The lender's policy protects the lender's interest for the life of the loan. The owner's policy protects you, the buyer, for as long as you own the property. They cover different parties and we strongly recommend the owner's policy whenever you're buying.
Who pays for the policies?
When a buyer is using a lender, the buyer typically pays for both policies. Customs vary by region and contract, so we'll walk you through exactly what's expected on your specific deal.
How quickly can you turn around a title?
Faster than most. Our in-house underwriters work directly with attorneys and paralegals, and we're reachable nights and weekends when deadlines tighten. Send us the file and we'll get to work.
Do you handle complex title issues?
Yes — it's actually where we shine. With over twenty years of experience and an extensive network for prior policies, we resolve clouds, defects, and edge cases that slow other firms down.
Where do you operate?
Every county in North Carolina and South Carolina. We also offer remote closing options when in-person isn't possible.