Orange County Real Estate FAQ
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Issuance of Title Insurance Policy
An owner's policy protects only the owner while a mortgage policy protects only the holder of the mortgage on the property. Separate policies are required to protect both interests. Special rates are available when both owners’ and mortgage policies are applied at the same time.
The owners’ policy of title insurance usually is issued after the deed to the buyer is delivered and recorded. A purchasers’ policy is usually issued after the contract has been executed by both parties or after the signed contract has been recorded. The mortgage policy of title insurance is usually issued after the mortgage or deed of trust has been properly executed and recorded.
The coverage of your policy is against all matters that appeared of record up to the date of issuance of your policy. Since that time many documents may have been recorded, some of which may affect the title to your land. Taxes and assessments may have accrued and be unpaid. There may have been actions in court affecting your title. The purchaser is entitled to have full information and protection as to the condition of the title right up to the date of his purchase. In addition, there may be matters of record which would prevent either the seller or buyer from selling, buying or mortgaging land until such matters have been cleared. These items include such things as federal tax liens, judgments, incompetence, divorce actions and other conditions which the title search may disclose.
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Orange County real estate can be acccessed by city from the cities listed below. Orange County Shopping is going to great lengths to provide you with the best possible access to Orange County real estate information over all of Orange County. To make this possible we a currently putting together a group of around forty of the top realtors in Orange County. We will be providing you information from the best of the best. Please bear with us as we go through this process.
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