ProTitle, Co. is a full service Title agency covering residential real estate throughout Minnesota and Wisconsin. We are an Agent for Steward Title Guaranty Corp and have over 35 years experience in real estate law and closing services. All members of our staff know that purchasing a house may be your biggest single investment. Be assured, ProTitle, CO. will accommodate all of your real estate closing needs efficiently, professionally, and courteously. We work hard to make the process a smooth one.
Our closing schedules are flexible and we strive to make your closing as convenient as possible. Your closing may be held at our new Maplewood office or at the location of your choice. Also, we have offices covering the northern part of the state in Duluth and Superior Wisconsin.
Protecting Your Largest Single Investment
Protecting purchasers against loss from defective titles, liens and encumbrances is accomplished through the issuance of a Title Insurance policy. Unlike other types of insurance that protect your home, Title Insurance protects against loss from hazards and defects that already exist in the title and is purchased with a one time premium. Other types of insurance protect against possible future events and charge an annual premium.
Two Types of Title Insurance Benefit You in Two Ways
Lenders or mortgage protection is required by the lender as security for their investment in real estate. When title insurance is provided, lenders are willing to make mortgage money available to borrowers for the purchase of real estate.
Owners title insurance covers the policyholder against loss due to certain hazards found in title. The coverage lasts as long as you, the policyholder or your heirs have an interest in the insured property.
The Process of Insuring Real Estate
Title insuring begins with a search or public land records affecting the real estate concerned. An examination is conducted to determine whether the property is insurable. The examination of evidence from a search is intended to fully report all “material objections” to the title. Frequently, documents that don’t clearly transfer title are found in the “chain” or history of title transactions. Through the search and title examination, title problems are disclosed so they can be corrected whenever possible. However, even the most careful preventative work cannot locate all hidden title hazards. Some examples of hazards include:
• A forged signature on the deed, which would mean no transfer of ownership to you.
• An unknown heir of a previous owner who is claiming ownership of the property.
• Instruments executed under an expired or fabricated power of attorney.
• Mistakes in the public records
Title insurance offers financial protection against these and other covered title hazards.
Why Title Insurance?
A home is usually the largest investment any of us will ever make. When you purchase a home, you will buy several types of insurance coverage to protect your home and personal property. Hazard insurance protects against fire, theft or wind damage. Flood insurance protects against high or rising waters. And title insurance protects against hidden title hazards that may threaten your financial investment in your home.
•Personal service and commitment to excellence – When you call ProTitle, Co. you will reach a live person, someone to whom you can talk, ask questions and get the information you need.
•Mobile Closing Services – We strive to make the closing process as convenient and smooth as possible for all parties involved. Our mobile closing service allows us to close the transaction at a location of your choice.
•Professional Experienced Team – With over 35 years experience in real estate closings, title insurance, and real estate law, our team of professionals can accommodate all your title needs to ensure peace of mind for a lifetime.
•Security and Backing – The financial strength of our title insurance underwriter, Stewart Title Guaranty Company provides us with the ability to protect our clients and their investments.
“You mean that’s it! This was the smoothest closing I’ve ever been to”
–Audrey Hayward – borrower
“I’ve been to a lot of real estate closings and this is by far the most efficient”
–Howard and Barb Klatzky – buyers
We are located in Maplewood Minnesota close to the intersection of Interstate 694 and White Bear Avenue. Give us a call and our friendly staff will answer all your questions and keep you posted throughout the entire closing process. We can be reached at 651-777-7601 or by email at email@example.com. We look forward to closing your next real estate transaction. You will not be disappointed.