When you head to the closing table, you trust that the property you are buying has a clean title, that all of the right boxes have been checked and that every little detail has been seen to. That’s what we do. We meticulously research the history of the property, underwrite title insurance policies and serve as a neutral third party to handle all of the details when a property changes hands.
We’ve heard people ask “Why do I need title insurance?” Here’s the best way we can explain it: while other kinds of insurance protects you from what might happen, title insurance protects you from what already has happened when it comes to a property. Still a little confused? Here are some real examples of situations title insurance can protect you from.
Is there some old debt haunting your new home? Title insurance protects you if someone else claims to have a stake in the ownership of your house.
Nobody likes paying taxes, especially not someone else’s. If there is a lien on the property, it could mean that you have to pay up if there are unpaid taxes.
Is there some long-lost past relative of the people who owned the house 50 years ago who might come out of the woodwork in a few years? Hopefully not. Title insurance will make sure the house is 100% yours.
Nothing gets a couple of neighbors more heated than a fence issue. Title insurance spells out who owns the fence between your properties, even if it’s been there for generations.
Make sure you don't need a helicopter to get you on the property once you buy it. Title insurance details how to access a rural property that may be accessible only by a dirt road.
If you are buying a home in a new development, title insurance confirms that the builder built on the right lot and that the house you're moving grandma's sideboard into is really yours.
No one understands escrow like we do – and they don’t have to, because we do it for them. Our escrow team is meticulous and thorough during real estate transactions. We ensure that everything is buttoned up for the seller and properly put in motion for the buyer. Enjoy a smooth, seamless transaction.
Our escrow agents are neutral third parties when money is changing hands during real estate transactions. How would you like just handing someone $500,000 or more? We didn’t think so.
We are ready to field any questions buyers and sellers may have at the closing table. We’ve done the work and are happy to share all of the information with those who have a stake in the transaction.
As a seller, you want assurance that everything is paid off and accounts in your name are closed. As a buyer, you need to know that new accounts have been opened and that the processes are set in motion.
What is wire fraud and how can it happen to you? Find out ways to protect yourself in this video from American Land Title Association.
Broker | Pure West Christie's International Real Estate Big Sky
As local, rooted members of the Southwest Montana community, it’s our duty to serve our friend and neighbors and secure their futures through our work. This means being honest and meticulous in our work, while respecting our clients’ timelines to ensure that they receive reliable service quickly.contact a team member
Community is everything to us. We serve our community through our work but also in our free time, because when we all are invested, a community thrives. We love helping people find their first homes through the HRDC’s homebuyer program and supporting nonprofits that contribute to the vibrancy of the area. It’s what makes Southwest Montana the amazing place it is.