A current owner title Search is ideal for pre-foreclosure properties, pre-tax auction properties, short sales, by-owner purchase transactions, where the buyer would want to know about all outstanding liens, mortgages and judgments recorded against the property. Current Owner Title Search is frequently used by property owners or their representatives to check for clear title on the property. This is also the type of search performed for a refinance.

We perform a search at the courthouse in which the property is located, looking for federal, state and municipal liens, judgments and homeowner association liens as well as any mortgages, and mechanics' liens. We retrieve foreclosure summary information against the property if there was one in the chain of title, as well as bankruptcy and assessment and tax status. All of the relevant information is this search and written up in a report for the person requesting the search, or the search is used to create a title commitment for the lender in the case of a refinance. Copy of the current owner deed is also included in the current owner title search.

Process of a Current Owner Title Search includes:

• Locating the Current Owners Deed from when they acquired the property
• Retrieving a copy of the Deed into the Current Owner
• Open Mortgage Search and Mortgage Assignments Report
• Open Lien Search (against current owner) among the recorded Land Records
• Open Judgment (20 years) and UCC search (5 years) against current owner
• Tax Payment Status and Tax Delinquency Search (information is retrieved from the
• Treasurer's office and Commissioner of Revenue.
• Bankruptcy Search.