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Texas Comptroller: The Economic Recessioin is Over 

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Call or email 512-517-8241 Bob@SedlorProperties.com 

Coldwell Banker United REALTORS
1701 Williams Drive
Georgetown, TX 78628
Phone: (512) 517-8241
Contact Page

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  Capital Investment in Medical and BioTech Fields:  Are we witnessing the emergence of a new "Medical Triangle?" Click Here


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Title Insurance FAQ

What Protection Does Title Insurance Give?

It insures that the "record" title, is good subject only to the exceptions expressly set out in the Policy. lt also insures against certain matters which do not appear of record, such as forgery, identity of parties, incompetence of former owners, interest of missing heirs, and status of individuals not having the "right" to sell property.

What Risks Are Not Covered?

The standard owners policy and standard mortgage policy are based on public records of the recording district in which the land is located. It does not insure against matters which would only be disclosed by actual inspection or survey of the property. It does not insure against certain matters not shown by the public records such as unrecorded easements, liens or money obligations; unrecorded utility rights of way, public or private roads, community driveways and other types of encumbrances, or against the rights or claims of persons in possession of the property which are not shown by the public records.

Can Protection Be Obtained Against Matters Not of Record?

Upon application, the issuing company may specially cover matters which are disclosed by a physical inspection and/or a survey of the property, subject to any exceptions which the inspection will determine to be proper. An additional risk premium is charged for this type of coverage. Insurance of this kind is called 'extended coverage'.

Are There Different Kinds of Policies?

Yes. Owners Policies are issued to real estate owners. Purchasers Policies are issued to purchasers of real estate under contract. Mortgage Policies are issued to mortgage companies. In addition there are several other special forms of policies. There is a type of policy to meet the requirements of almost any form of real estate transaction.

When Is the Policy Issued?

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 Owner's 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.

If I Was Insured When I Bought the Land, Why Should I Have It Re-Issued to My Purchaser When I Sell?

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, judgements, incompetencies, divorce actions and other conditions which the title search may disclose.

How Are Premiums for Title Insurance Determined?

Title Insurance Premiums are determined by the amount and type of coverage provided. Unlike other insurance premiums, however, the title insurance premium is paid only once as the policy is effective for so long as title or "ownership" remains in the name of the insured, or his heirs or devises. Rates are filed with the insurance commissioner who regulates the activities of title insurers.

Weekly Mortgage Rates
Freddie Mac National Averages
 30 Yr Fixed  3.87%
 15 Yr Fixed 3.14%
 5 Yr Fixed 2.80%
 1 Yr Fixed 2.76%

Coming Soon: New listing in Sun City: Click Here  


For Sale, 4 bedrooms, 3 baths on one acre in Georgetown's premier gated community: Click Here


For Sale - Hubels Bier Garden in Historic Smithville. Click Here


Free standing commercial building for sale or lease. Previosly used as an assisted living facility. Zoned OF -  Click here


Farm and Ranch Land

 

Large Tracts: from 11 acres to 460 acres - Click Here

Build on your Lot:  5 to 30 acre tracts available - Click here


Homes With Acreage

For Sale: 3383 SF Home on 1 acre , 3383 SF, 4 bedrooms, loft in Desirable Gabriel's Overlook

Sold - Gorgeous 3029 SF home on 5 acres. 5 Bedrooms, 4.5 Baths. Bring the kids and horses. Click Here

Sold - Upscale Westlake at the Woods. 3420 Sf, 4 bedrooms, 3.5 baths, 1.2 Acres.  Click Here

Visit our Custom Search Results page here. Updated daily with available Acreage Homes or Farm and Ranch property


Acreage or Equestrian Communities


Interested in the Condo Lifestyle? Downtown Austin and Georgetown - Click here


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Build Your Home on the North San Gabriel River

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Real Estate & Business News

Sold 212 Las Colinas

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Buyers - Helpful Information

Sellers - Helpful Information

Sedlor Properties: This website was designed to be a very comprehensive source of residential and commercial real estate and area information. Please explore and bookmark it, and visit it often. As always, your feedback and suggestions for ways to improve the content or layout is appreciated. Contact Information

 Georgetown TX Homes Commercial Real Estate, Austin TX Real Estate, Georgetown TX Residential Real Estate, Sun City TX Homes, Austin Homes for Sale,  Austin area Land and LotsSurrounding areas:

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