We provide a full range of residential title services throughout Maryland including title searches, real estate settlements, title insurance, property transfers, closings, and more. We work with realtors, homebuyers, lenders, builders, and businesses to ensure each closing process and title search is flawless. All of our real estate title work, settlements, closings, and title searches are completed in a thorough and professional manner, in accordance with Maryland laws. Our attorneys are highly experienced, respected, Maryland licensed, real estate title attorneys. Client satisfaction is very important to us.
Purchasing a new home is often the largest investments you will make. You need a title company to properly search and examine the title to your new property, conduct the settlement, and transfer the property to you.
Take the time to get to know the reputation of the company and the expertise of the personnel who will actually handle your settlement. Mid‑Atlantic Title, LLC provides this professional service and accurate processing at competitive prices. Please see the brief biographies of our personnel in the About/Team tab. We are confident that there is no better choice than Mid‑Atlantic Title, LLC to handle your settlement.
If you desire additional information on Mid‑Atlantic Title, LLC or would like a quote of our fees, please feel free to contact us at any time.
We provide title searches, real estate settlements, title insurance, property transfers, closings, and other services to the entire Baltimore Metropolitan Region of Maryland and DC throughout the following counties Allegany, Anne Arundel, Baltimore, Calvert, Caroline, Carroll, Cecil, Charles, Dorchester, Frederick, Garrett, Harford, Howard, Kent, Montgomery, Prince George’s, Queen Anne’s, Saint Mary’s, Somerset, Talbot, Washington, Wicomico, and Worcester.
Title insurance protects homebuyers and mortgage lenders from problems with an ownership title when buying real estate. These may be problems that existed long before the current purchase, such as:
Just as you purchase homeowner’s insurance to protect your home against fire or other catastrophes, you should also purchase an “Owner’s Title Insurance Policy” to protect your investment against defects in the title to your property.
Your lender will require that you purchase a “Lender’s Title Insurance Policy” to protect the lender for the amount of your loan. Your lender knows that, even though title to your property has been searched by a qualified title examiner, hidden defects in the chain of title may still exist. These hidden defects may give someone a claim against your property. Title insurance protects against these claims.
The “‘Lender’s Title Insurance Policy” only provides protection to the lender. To protect your interest in the property, you need to obtain an “Owner’s Title Insurance Policy” for the full value of the property.
The premium for an “Owner’s Title Insurance Policy” is a onetime fee collected at settlement, and your policy is valid for as long as you own your property. If you have a title claim while owning the property, your title insurance will (i) provide you with an attorney to defend your property interest in court, and (ii) settle and pay any claims against your property as a result.
Make sure your title insurance coverage is through a reputable company to be assured your claim will be paid. Mid‑Atlantic Title, LLC is issuing agent for two highly reputable title insurance companies: Chicago Title Insurance Company and Security Title Insurance Company of Baltimore.
For most of us, purchasing a home and property represents the largest single investment we will make.
Title insurance protects real estate purchasers, and/or lenders, from losses that arise after the settlement, but results from unknown liens, encumbrances, or other defects upon the title that existed prior to settlement.
Examples of title defects include things like unpaid mortgages, judgments, or tax liens not paid by a previous owner, fraud or forgery of a prior deed or transfer, or a spouse or unknown heir who steps forward to make a claim against the title, unknown easements, confusion arising from the similarity of names, and more.
Title Insurance covers against a variety of hidden defects, the most common of which are as follows:
~ A forged will or deed that does not transfer title to the buyer
These and other examples of hidden defects can result in a claim being made against your property. Owner’s Title Insurance protects you against these claims. Title claims can be costly and may prevent you from selling or refinancing your home. Make sure you protect your investment in your property with the purchase of an Owner’s Title Insurance Policy.
Residential settlement and title services are available to all Maryland counties, the Baltimore Metropolitan Region, and DC.