Southern Title of Ohio

It feels good knowing both you and your home are protected with title insurance.  What is title insurance? You may know that it protects your ownership, but what does that really mean, and how does that benefit you? Keep reading on as we get to the bottom of these questions.  The function of title insurance is to protect your property ownership. What many do not understand about title insurance is that it is a fundamental part of homeownership that can save you thousands (even hundreds of thousands) of dollars in the long run. For example, you are required to have a clear title if you would like to sell your home in the future and get a return on your investment. Another example is that, without title insurance, it may be hard to decipher whether you truly own your title (surging title fraud has made this problem even more difficult). If you don't, you technically do not have any legal rights to your property. This makes you susceptible to blindsiding property loss at any give...

  Title searches, while complex, are easy with Southern Title. If you follow Southern Title on Facebook , or have visited our website , you may know that one of our main services is the title search. This search can reveal useful information, like:  -the legal status of the seller's ownership -existing restrictions on the property  -who has property rights -existing property taxes or liens Now that you know what a title search is, you might ask, "couldn't I just do that on my own?" or, "can't I just find this information on Google?"  The answer is this: a title search may sound breezy, but it requires tedious work. Although we can find most answers to our questions with a quick click of a button, a title search (if done properly) can take 8-14 days on average. It's also possible that running an online search could work against you. This is because online records are not always the official source and may not be up-to-date. So, what resources do we ha...

Refinancing your home is easy with title insurance!  Refinancing your home can be a difficult task to navigate, which is why title companies like Southern Title are here to make the process a little easier. Whether you're ready to start refinancing or you're not sure if this action is the right step for you, we're here to give you some information about what this process means.  When a homeowner refinances their home, their current payment plan will be reassessed. This can happen for a number of reasons. For instance, sometimes it is difficult for homeowners to meet the current mortgage payment, so they attempt for lower rates over a longer time span. Other times, a home is refinanced because of a divorce or other happening that can have an impact on finances or change the ownership status. Or, maybe the owner can now achieve lower interest rates, so they would like to have a plan that reflects that. Depending on your situation, refinancing may be right for you.  So, what...

Title insurance and home insurance are often terms used together. However, they are two separate ideas. Because both title and homeowners insurance plans involve the home, you may have heard the terms used synonymously. And, although we understand the assumption that they are the same, they refer to two different things. Both are important for different reasons:  The main difference between homeowners insurance and title insurance is that one protects you against property damage, while the other protects your property ownership.  Homeowners insurance protects you against property damage. This protection includes any items inside your home. Property damage covers any possessions in the case of theft and even protects you in the event that an injury occurs to a guest inside your home. It does not protect you should a person claim to have title rights to your home, however.  Title insurance protects your property ownership. Title insurance does not cover infestations, fire d...