What is a preliminary title report (prelim) in California? A preliminary title report in California is a document prepared by a title company that shows the current ownership, liens, and recorded encumbrances on a property before a real estate transaction closes. It helps buyers, sellers, and lenders understand what issues must be cleared before the…
What’s the difference between title insurance and homeowners insurance in California? Title insurance protects your ownership rights to the property, while homeowners insurance protects your home and belongings against damage or loss. If you’re buying a home in Southern California, you’ve likely heard about title insurance and homeowners insurance. While both are essential parts of…
Can title insurance be transferred after closing in California? 805title Answers No, title insurance cannot be transferred after closing. Each new owner must purchase their own policy to ensure protection against potential title defects or ownership disputes. When buying a home in California, title insurance plays a crucial role in protecting your ownership rights. But…
How is title insurance calculated in California? 805title’s Cost Breakdown How is title insurance calculated in California? Title insurance in California is calculated based on the property’s purchase price, loan amount, and rate filings approved by the California Department of Insurance. Your transaction type, location, and chosen title company can influence the final cost. If…
Can I shop for title insurance in California without slowing escrow? Yes, you can shop for title insurance in California without delaying your escrow, as long as you coordinate early with your escrow officer and provide your chosen title company’s details promptly. Shopping for title insurance is one of the most misunderstood parts of a…
How much is title insurance? 805title’s Trusted Advice Title insurance typically costs around 0.5% to 1% of the purchase price, depending on your location and the policy type. When buying a home in Southern California, one of the most common questions buyers and sellers ask is: how much is title insurance? Understanding title insurance is…
What does title insurance actually do in California? What does title insurance actually do in California? Title insurance protects you against hidden ownership issues, liens, or errors in property records so your home purchase in California stays secure. When you buy a home in Southern California, title insurance is one of the most important protections…
How do trust or probate sales change title and escrow steps in California? Trust and probate sales in California add extra legal and documentation steps to title and escrow. Because court approval, executor authority, and disclosure rules are involved, the process takes longer and requires specialized guidance from your escrow and title team. When buying…
What does title insurance not cover in California? 805title’s exclusions overview What does title insurance not cover in California? Title insurance in California does not cover issues such as zoning disputes, environmental hazards, future liens, or problems you create after closing. It protects you only against past defects in ownership, not future risks. When you…
How do gift of equity and family sales change escrow steps in California?805escrow’s Family-Friendly Guide How do gift of equity and family sales change escrow steps in California? In California, gift of equity and family sales often require extra escrow steps such as gift letters, appraisal reviews, and lender documentation. Working with a trusted local…
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