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1.  It protects your ownership right to your home both from fraudulent claims against your ownership and from mistakes made in earlier sales, such as mistake in the spelling of a person’s name or an inaccurate description of the property.

2.  It’s a one-time cost usually based on the price of the property.

3.  It’s usually paid for by the sellers.

4.  There are both lender titles policies, which protect the lender, and owner title policies, which protect you.  The lender will probably require a lender policy.

5.  Discounts on premiums are sometimes available if the home has been bought within only a few years since not as much work is required to check the title.  Ask the title company if this discount is available.

Reprinted from REALTOR Magazine Online by permission of the National Association of REALTORS. Copyright 2005. All rights reserved.

When you are looking for security, it pays to have a title company that has some.  The real estate market is a volatile place these days, so you need a title company with financial stability – you need Stewart.  In choosing your title company remember that Stewart Title is sound, reliable and their strengths have already proven their ability to weather any storm.

• Founded in Galveston, Texas in 1893
• Publicly traded since 1972
• Forbes Platinum 400 list of America’s best performing big companies 2004
• Over 9,500 issuing offices and agencies world-wide
• Delivering global title insurance policies in over 60 countries world-wide
• $944 million in reserves 2007

They are here for you today and promise to be there for you tomorrow.

*Source:  Stewart Information Services Corporation 2007 Annual Report