Owners Title Insurance provides buyers with complete assurance of the validity of the title, which relieves both buyer and seller of liability for title problems such as fraud, improper transfers, undisclosed heirs, and human error in transcribing information. If someone claims they have rights to your land and you are covered by owners title insurance, the title company must defend your interest in court. Owners title insurance covers you for as long as you own the property.

The ALTA Homeowner's 1998 Policy is available for an individual on residential 1-4 family structures or residential condominiums. This policy provides additional coverage to the homeowner regarding mechanics' liens, encroachments and other issues.

Leasehold Title Insurance insures the lessee for the term of the lease for his interest in the property. The leasehold policy is completely separate from the owners title insurance policy.

A Full 42-year Search begins with the present and proceeds back 42 years. Records covered are the same as Current Owner Searches. Our underwriters require a search of this nature before Northwest Title can issue title insurance (unless Northwest Title has a previously issued title policy on the property, which is less than 10 years old).

The Owners Title Insurance you received when you bought your home will provide you with a reduced rate on the title insurance you must purchase for the buyer when you sell your home. The Ohio Department of Insurance regulates rates for title insurance policies issued in Ohio so that consumers may take advantage of a reissue rate (30% less than the current rate) when they sell their homes. This allows us to perform a current owner search rather than a 42-year search, saving us time and you money.

A Lien Search is the same as a Current Owner Search except it does not include a search of the records of the Probate Court.

To obtain this information from the county records on any single subject property, call our office with the owner's name, lot number, and subdivision name.

Northwest Title can act as a qualified intermediary, prepare documents in accordance with IRS code 1031, perform closings, and maintain escrow funds.

The Closing Protection Coverage indemnifies you against the loss of settlement funds resulting from any of the following acts of the Licensed Agent or anyone acting on behalf of the Licensed Agent, subject to certain conditions and exclusions specified in the Closing Protection Coverage Form:

(1) Theft, misappropriation, fraud, or any other failure to properly disburse settlement, closing or escrow funds; and
(2) Failure to comply with any applicable written closing instructions, when agreed to by the Licensed Agent.

Northwest Title's staff is trained to close any type of real estate transaction whether you are the buyer, seller, realtor, lender, builder, or developer.

Whether it's just one document or an entire closing or escrow package, notary services are provided for all. This includes same day or overnight mail back to customer. Recording services can be requested at an additional charge.

All legal documents needed for a closing can be prepared by our legal staff.

Northwest Title offers the convenience of signing documents ahead of time and leaving them with us while you attend to the business of moving. Documents can be overnighted anywhere along with full instructions for correct completion and the phone number of a live helpline.

If coming to one of our 8 Central Ohio locations isn't convenient, we can make arrangements to schedule your closing at a location of your choosing.

Communication problems often come up when dealing with your lender, the county Treasurer's office, or any of the many other parties involved in a real estate transaction. Our offices are here to help before and after the closing.