Title Company
Located in Harrison, AR
Serving Boone, Newton and Carroll counties in Arkansas.
Over 50 Years in Business!
to protect your future
We are here to insure your past in order to protect your future. Our team prides itself on serving you in both a professional and timely manner. We know that purchasing a home or business can be exciting and stressful at the same time! Managing all the details from the real estate contract to the closing can be daunting. We are here to make the entire process smooth and efficient. We provide an unmatched level of service to the people of North Arkansas as we guide them through each step of the title insurance and closing process. So, if you’re a realtor, lender or other professional involved in real estate in North Arkansas who is seeking a title company, or if you’re a customer getting ready to make that big purchase, we are here for you! We are your locally owned title company ready to serve you!
What is title insurance?
If you’re buying a home, title insurance is a policy that protects your investment and property rights. Unlike car, home and health insurance that protects any future issues, Title Insurance protects the past by doing an in-depth search of the chain of title, assuring the new buyers will not also be stuck with a previous judgement or lien on the property from previous owners.
Title issues include:
Outstanding mortgages, judgements, or a lien against the property because the seller has not paid his taxes. Pending legal action against the property that could affect the buyer. Unknown heir of a previous owner who is claiming ownership of the property.
Why should I purchase owner’s title insurance?
Owner’s title insurance protects your investment in your property from certain future legal claims regarding ownership of your property. For a one-time fee, you and your heirs receive coverage for as long as you own your home. The owner’s policy also covers potential legal fees and court costs for settling claims covered by your policy.
Our team is
ready to help you!
Let our energetic team, comprised of industry leaders who have a combined 50 years experience, guide you through the entire title insurance and closing process.
Owners, Ryan Caughron, a real estate broker, and Cody Gregory, with his background in commercial banking, have dedicated themselves to providing you and your family with quality service and expertise in all aspects of the real estate industry.
We are ready to exceed all your real estate title insurance and closing expectations! Check out our services below:
Residential and Commercial Closing Services ~ Document Preparation ~ Escrow Services ~ Title Insurance ~ Witness Closings ~ Title Reports ~ Mobile Settlement Services ~ Purchase/Sale and Refinance Closings
Give us a call Mon-Fri, 9am to 5pm. We’d be glad to help! 870-704-8058
I bought a house / I’m selling my home… or…. I found the perfect place or buyer.
What is next?
Step 1 - The Order
Whether it be an offer and acceptance, real estate contract, or a refinance, an order is placed with TitleNet Solutions and our team begins to dive into the history of the property. We have the experience to know what to look for and where to look.
Step 2: Title Search
A Title Search is an examination of the public records to determine and confirm the vested ownership of a piece of property, as well as any other matters arising in the chain of title that may either benefit or adversely affect the status of title. This is important because it allows us to address encumbrances on the property, such as judgments, liens and mortgages; and also ensures things like legal access to and from the property. This process protects the buyer, seller and the lending institution in a transaction and can prevent any headaches down the road.
Step 3 - Title Commitment
A Commitment for Title Insurance is a document that outlines the details of the transaction, requirements that must be met in order for a Policy of Title Insurance to be issued, and any exceptions that will not be covered under the Policy.
Step 4 - Closing Table
The closing table is where an experienced member of our team sits down with both the buyer and seller to explain and review the documents that are being signed. Once signed, the documents are sent to Circuit Clerk/Recorder’s Office, where they are filed and become public record. Recordation of the Deed, which includes a filing or instrument number and a date and time stamp, finalizes the conveyance.
Step 5 - Title Policy Issuance
Unlike home, health and car insurance that protects against future problems that may occur, title insurance protects against problems that may have occurred in the past. If a problem that existed prior to issuance of the Policy is later discovered, you may be protected under your Policy, which could save you time, headache and money.
FAQ’s
This process can be daunting. To help explain the process, here is a look at Frequently Asked Questions.
What is a Title Search?
A title search is an early step in the home buying process to uncover issues that could limit your rights to the property. If a title issue is discovered, most often our team will take care of it without you even knowing. After the title search is complete, we can provide a title insurance policy.
What is Title Insurance?
If you’re buying a home, title insurance is a policy that protects your investment and property rights. Unlike car, home and health insurance that protects any future issues, Title Insurance protects the past by doing an in-depth search of the chain of title, assuring the new buyers will not also be stuck with a previous judgement or lien on the property from previous owners.
What type of Title issues may arise?
Issues such as existing mortgages, liens or judgments against current or prior owners, adverse claims of interest in the Land, boundary line disputes, etc. could come up during the search.
Why should I purchase owner’s Title Insurance?
Owner’s title insurance protects your investment in your property from certain future legal claims regarding ownership of your property. For a one-time fee, you and your heirs receive coverage for as long as you own your home. The owner’s policy also covers potential legal fees and court costs for settling claims covered by your policy.
What are the two types of Title Insurance?
An Owner’s Policy is the best way to protect your property rights. Either the buyer or seller may pay for this policy.
A Lender’s Policy is usually required by the lender and only protects the lender’s financial interests. The buyer typically pays for this policy, but that varies depending on the geography.
