By Lydia Blair
Special Contributor

Despite the sound of the name, there is nothing secretive or hushed about ‘Quiet Title.’ This is actually a legal action to ‘quiet the title’ under Texas law.

Quiet Title refers to a lawsuit to clarify the ownership of land and the validity of any liens on a piece of property. Legal action to quiet title is basically a suit filed to establish the true ownership of real property.

Typically, the reason for a quiet title lawsuit is to remove a cloud from the title. A cloud is any potential claim to ownership of a property such as a lien, encumbrance, mortgage, legal dispute, tax levy, partial ownership claim, etc. These are usually discovered in a title search of the property conducted by the title company or title plant. 

(more…)

By Lydia Blair
Special Contributor

It’s easy to make the general statement that all title companies are the same. They all offer the same services, and in Texas, they all charge the same for title insurance. However, it’s like saying that all Realtors are the same, or all home inspectors or insurance companies are the same.

A closer look will reveal that there is often a difference in the level and quality of service between companies. Working with a reliable, experienced, and caring professional can make the difference between an easy, positive transaction and a nightmare experience.

Which title company you get into bed with can be like a marriage. Regardless of how it goes, you’re stuck with them for the duration of the time you own your home.

(more…)

By Lydia Blair
Special Contributor

Officially, a title company in Texas is referred to as Title Agent or Title Agency. They are responsible to and answer to a lot of folks – mortgage companies, real estate agents, buyers, sellers, brokers, underwriters, etc.

Most notably, they follow the Texas Department of Insurance rules and regulations meticulously. Regular audits by this department ensure it.

But what do title companies and escrow officers really do?

(more…)