1. I bought Owner's Title Insurance when I purchased my property. Won't they cover me for problems since the date of my purchase?

No. While we strongly urge everyone who purchases property to buy Owners' Title Insurance, that policy may only cover you for defects that were undisclosed or that existed prior to the date of your purchase. National Homestead will assist you in removing "title defects" that have occurred since the date of your purchase.

2. I am not a real estate mogul. Why would I have a title defect since the date of my purchase?

Since 1999, more than 450 Million documents have been recorded at County Recorder offices throughout the U.S. This avalanche of paper has created hundreds of thousands of "title defects." These typically consist of unrecorded mortgage discharges, incorrectly recorded discharges, missing mortgage assignments, or missing deeds. These "title defects" are waiting to explode when you least expect it and can least afford the expense, delay and aggravation.

As a result of the recent mortgage refinance craze and record home sales, the entire loan and recording process has broken down, putting your title in ruins and your ability to sell in jeopardy. The lenders and County Recorders are unable to accurately produce and record all of the documents necessary to ensure that your property remains free and clear.

3. What percentage of Titles are affected with these "Title Defects?"

While exact numbers are difficult to obtain given the hundreds of millions of titles that exist in the United States, independent surveys have indicated that upwards of 45% percent of all titles are stricken with "Title Defects" that are waiting to explode at the worst possible time.

4. What Kind of Title Defects typically show up on titles?

The most common defect (and potentially the most devastating) involves a missing mortgage discharge. For example: You think that you have only one (1) mortgage on your property, but your title records show two (2). This is because when you refinanced, the discharge for your old mortgage was either never issued or never released. You will be unable to sell your home or refinance your loan until these documents get recorded and there is proof that the old loan has been paid off.

Other examples of Title Defects are missing mortgage assignments (where one lender sells the loan to another lender but fails to record the proper paperwork and mortgages obtained thru Mortgage Fraud.

5. How long does the process take?

The moment your order is placed, we will undertake a search of the Recorder and Registry records to determine the extent of the "title defects" on your property. Should none be found, we shall forward your "Ready to Close" Title Guarantee to you within five (5) days!

Should "title defects" be found on your title, National Homestead will work with the Lenders, Title Companies and Attorneys to obtain and record the necessary documents to clear the "title defects" and provide you with your "Ready to Close" Title Guarantee. This process can take as little as ten (10) days and could take as long as thirty (30) days. Be assured that you will be updated electronically on the progress of your order.

Timing is everything...! Waiting until the last moment to search your property title and trying to fix your defects is too late! There is no time to find the documents when your home is packed in boxes and your records are not available. You want to search and clear your title before it becomes a problem and stops your sale cold.

6. Why does National Homestead need my Social Security number?

National Homestead requires your SS# to obtain loan or lien payoff information to release these hidden title defects.

National Homestead takes your privacy seriously and safeguards your personal information with an encrypted ordering process.

7. In What states does National Homestead provide this service?

National Homestead offers the "Ready to Close Title Guarantee" in all 50 states.