Real Estate - N/A, N/A, us
We provide Ownership & Encumbrance Reports, commonly called "pencil searches" by the industry, that are designed for the foreclosure investor interested in buying properties at auction. These O & E reports are also used by renters to ensure property being rented by a landlord is not involved in foreclosure proceedings. Homeowners use them as a "House Credit Report" to see what mortgages and other liens are filed against their property.Our professional title examiner partners carefully search Tax Appraiser data, Tax Collector data, and the Clerk of Court's Official Records for information related to the ownership and encumbrances of a property.Literally hundreds of different types of documents are recorded on record, but not all of these documents affect the title or encumber a property. This is where our years abstracting experience comes into play!Deed Information: We search from the prior owner forward and show the most recent deed in the chain of title.Mortgage Information: We show all open mortgages encumbering the property from the current owner and list their assignments, modifications and other related documents.Tax Information: We search back 3 years for tax history and show both current and delinquent tax information.Foreclosure Auction Information: We provide copy of dockets and extended information on Foreclosure auctions with the county.
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