Title Insurance

A policy of title insurance is a contract of indemnity between the insured and the insuring company relating to the title to the land described in the policy, protecting the insured against loss of damage by reason of defects, liens or encumbrances of the insured title existing at the date of the policy and not expressly excepted from its coverage.

The policy is issued after a complete search and examination of the public records and shows the condition of the record title, including any money obligations outstanding against the property, easements and other matters which may affect the rights of ownership, possession and use of the property.

Title insurance protects the "record" title, insuring it is good subject only to the exceptions expressly set out in the policy. lt also insures against certain matters which do not appear of record, such as forgery, identity of parties, incompetence of former owners, interest of missing heirs, and status of individuals not having the "right" to sell property.

There are different types of policies. Owners policies are issued to real estate owners. Purchasers policies are issued to purchasers of real estate under contract. Mortgage policies are issued to mortgage companies. In addition there are several other special forms of policies. There is a type of policy to meet the requirements of almost any form of real estate transaction.

My Mission Statement

Buying or selling a home is about more than real estate — it’s about your life, your goals, and your next chapter.

A home isn’t defined by paint colors or square footage. It’s about how you feel when you walk through the front door and envision your future there.

That’s why I take the time to truly listen and understand what matters most to you. My goal is to help you find the right fit — not just a property.

My approach is built on personal attention, strategic guidance, and creating a smooth, positive experience from start to finish.

Because while real estate is a transaction, to me, it’s always personal.