What we do,
At NH Title Group, we provide seamless and secure title insurance services to protect your real estate transactions. Whether you're buying, selling, or refinancing, our team works diligently to ensure a smooth closing process by identifying and resolving potential title issues before they become problems.
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We work with real estate attorneys, paralegals, lenders and agents to deliver thorough title review, underwriting support, and final policy issuance for homebuyers. Our expertise helps safeguard property ownership by preventing unexpected claims, liens, or disputes, giving buyers and lenders peace of mind.
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With a commitment to accuracy, efficiency, and exceptional service, NH Title Group is your trusted resource for navigating the complexities of title insurance. Let us handle the details, so you can focus on what matters most—closing with confidence.
How we do it,
Step One:
Buyer goes under contract
Woohoo! The buyer has found the property they love, and their offer has been accepted! This is an exciting and celebratory time, but there’s still some work to do before everything is official and the buyer can close. In this step, the buyer gets set up with the real estate closing attorney, who will coordinate the closing date for transactions in both North and South Carolina.
Step Two:
Contract to close
As all the important details unfold in the days leading up to closing—such as inspections, appraisals, and more—the closing attorney’s office is working behind the scenes to ensure the property has a clear title. To do this, the attorney’s office will perform a title search, which is a detailed examination of public records to verify the property’s legal ownership and uncover any potential issues that could affect the title.
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What a Title Search Includes:
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Chain of Title: Reviewing past ownership records to ensure a clear transfer of ownership.
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Liens & Judgments: Checking for unpaid mortgages, taxes, HOA dues, or other claims that could impact the property.
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Easements & Restrictions: Identifying any rights or limitations that may affect how the property can be used.
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Legal Description & Boundaries: Verifying the accuracy of property lines and descriptions.
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If any issues (also called title defects or clouds on title) are found, they must be resolved before closing.
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Step Three:
Attorney works with Title Company to get title insurance
Once the title search is complete, the attorney provides a title opinion, which verifies whether the property’s title is clear or outlines any issues that need to be addressed before closing. The attorney shares this opinion with the title company, which then decides what it’s willing to insure and what must be resolved to ensure coverage.
The title company then underwrites a commitment, ensuring both the buyer and lender are protected against future claims on the property. This includes coverage for issues that may not have been uncovered during the title search, such as fraud or errors in the public records. The attorney’s office will work off the commitment to determine what needs to be handled before the closing table.
Step Four:
Closing & Final Policy
The closing attorney typically handles all the legal aspects of the closing, ensuring all documents are in order and that the transfer of ownership is legally binding. Once the title has ideally been cleared, the attorney sends their final title opinion to the title company. From there, the title company works behind the scenes to finalize the title insurance policy, ensuring all parties are protected throughout the process.
The closing attorney ensures that everything is in place to issue the title insurance, and then the buyers close on the property. The final title opinion is sent from the attorney to the title company, reflecting all the work done to ensure a clean title, and the title policy is issued.