Alabama Title Insurance Underwriter

Birmingham Real Estate Lawyer Joseph C. Kreps For all real estate transactions in Alabama, the purchaser is required to purchase title insurance to protect the lender's interest. We recommend that all purchasers obtain owner's title insurance to protect their interest. Title insurance requires a onetime charge at closing and protects you for the entire time you own your property. To ensure that you are legally protected to the fullest extent, you should also retain a qualified real estate attorney to assure clear title to the property.

Toll-Free: (866) 348-2889

Contact Kreps Law Firm, LLC for a free consultation about purchasing title insurance. Based in Birmingham, I represent homebuyers in Jefferson County and throughout the entire State of Alabama. I am a licensed attorney, licensed real estate broker, and licensed by the Alabama Insurance Commission as an authorized title insurance agent for The Security Title Corporation of Baltimore.

Do I Really Need Title Insurance?

The purchase agreement may require you to obtain owner's title insurance as a condition of your real estate closing. Even if this is not a requirement of the contract, I highly recommend that buyers secure title coverage. Title insurance covers your losses if a title defect or lien is discovered after you take possession of the home. Without this protection, you could be liable for claims by parties who can assert a legitimate legal interest in the property, as well as fraud or forgery.

My extensive experience in all facets of Alabama real estate law provides clients with better protection than a title company alone can provide. You are doubly protected by title insurance and a legal opinion that the title is free and clear. Through the process, we arrange for an extensive search for all public records to detect:

• Unsatisfied liens against the property (such as contractors' liens)
• Claims of other parties (such as heirs or ex-spouses)
• Judgments against the seller's assets
• Improperly recorded deeds or mortgages
• Missing or incorrect information in courthouse records
• Unpaid taxes
• Easements

If defects in the title are discovered, it does not mean the transaction cannot be completed. If you wish to proceed, I work directly with the seller and other parties to resolve any issues prior to the closing date.

Full Service, Personal Service

If you are buying a home in the greater Birmingham area or anywhere in Alabama, myself and my team members are available to answer your questions. We are accessible during normal business hours and our telephones are answered 24 hours a day, 7 days a week. We can perform a title search and issue a commitment on short notice to meet your deadlines for closing and can usually be ready to close within a matter of hours from the time you place your initial call to our office. Our team members can handle your entire transaction: negotiation of purchase agreement, title opinion and title insurance, mortgage financing, and closing. The team at Kreps Law Firm, LLC is glad to answer any questions along the way and address any and all concerns that you may have throughout the process.

Call TODAY for a free initial consultation with Joseph C. Kreps at 866-348-2889.