Title Insurance = Peace of Mind

Blue Sky Funding, LLC can answer questions about title insurance and many others. Call us at 817-616-3651.

Buying a home will likely be the biggest investment you make in your life. So before you commit to the transaction, you must be sure that the "title" of the property is clear of any other claims.

A title company ensures that your new property won't surprise you with expensive encumbrances and other legal obstacles.

For a modest, one-time title insurance premium, you will receive continuous title insurance protection equal to the purchase price of the property or its current market value.

The title insurance company searches the property's title history. The title insurance company can almost always identify any title problems that may arise and clear up these problems before you close on the property.

Real Estate law is extraordinarily complex. Title companies make sure that all the T's are crossed and all the I's are dotted so you don't end up with a clouded title and legal problems. Your title insurance owner's policy will describe the property and outline any recorded limitations on your ownership. It will also cover what the title insurance company is responsible for. Title insurance covers the following:

  • Contested title — Someone, usually a previous owner or occupant, claims they still own the property or have not given up their claim. If this happens, the title insurance company will defend your title at no expense to you.
  • Defective title — "Defective title" covers any number of problems with the title to your home. It can even include a "contested title". Other examples of title defects include problems with legal access to the property, easements that make the property less usable, unusable, or unsaleable. Any number of other complicated problems define "Defective title" or "Clouded Title." The title insurance company will uncover these problems, or should they miss them, protect you from financial loss - up to the amount of the policy.
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