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TITLE & ESCROW SUPPORT
TITLE SEARCHES
The title search process involves examining all documents recorded on public record that are filed against owners or a legal description of the desired property.
CURRENT OWNER SEARCH
Current owner Search involves searching for the details of the present title holder of the subject property and the latest deed with consideration. A Current Owner Search contains information pertaining to taxes, vesting, open liens, legal description. We can also provide copies of documents (upon request). We will research back to the last sale of the property. This report is similar to a Prelim Title Report from major title companies.
TWO OWNER SEARCH
Two-Owner Title search is for the last two owners in the chain of title of the subject property. A Two Owner Search contains information pertaining to taxes, vesting, open liens, legal description. We can also provide copies of documents (upon request). We will research back to the prior two sales of the property
TITLE UPDATES / BRINGDOWNS / DATEDOWNS
We also perform an update search on the subject property from the date of the last search to the current date. A report is provided on all the documents posted and recorded during the period.
LEGAL AND VESTING SEARCH
This search is conducted by pulling all relevant deed documents and identifying the latest vesting deed. Details like property address, parcel number, owner’s name, legal description, and tax information are captured and included in a detailed report.
TITLE REPORTS
We prepare all kinds of reports suitable for the title needs, including Commitment Reports, Property Reports, O&E Reports, Preliminary Reports, Foreclosure Reports. A complete Title production facility to produce title reports on all the title orders processed. We provide Quick turnaround commitment with competitive pricing models.
- Reports — Current owner search providing ownership, liens and encumbrances, tax information and full legal description
- Deed Reports — Provides grantor and grantee, recording information and legal description
- Legal and Vesting Reports — Provides current vesting and full legal description
- Mortgage Verification Reports — Verification of mortgages and lien position for collateral property
- Foreclosure Reports — Two-owner search designed to confirm current title coverage and obtain subordinate lien (voluntary and involuntary) needed to facilitate pre-foreclosure
- Recording Services — Recording services in all 50 states including e-recording in over 1,000 counties
DEED PREPARATION
There are many kinds of deeds that can be used such as Quitclaim Deeds, Grant Bargain & Sale Deeds, Warranty Deeds, Special Warranty Deeds and other forms of deed transfers. Bergrad can prepare most deeds that do not require an escrow such as transfers that add children, add a spouse or add a third party like a business or living trust to your deed. We can also prepare deeds that remove people or entities from deeds for reasons such as death, divorce or other matter that requires parties on a deed to be removed.
POLICY PREPARATION
- POLICY TYPING AND PREPARATION
To determine ownership and identify any conditions and restrictions affecting the use of the parcel being acquired, obtain a title commitment report prior to purchase. Bergrad requires that the local government unit or nonprofit obtain a title commitment report prior to purchase and a title insurance policy following purchase of a property.
FLOOD ZONE
- FLOOD ZONE DETERMINATION
Basic Flood Determinations provide you with a Standard Flood Hazard Determination Form (SFHDF), needed for compliance purposes, and the flood zone information necessary to determine whether flood insurance is available or required.
TAX RESEARCH
We provide the latest tax information with delinquency, foreclosure and tax sale details with redemption amounts back to all delinquent periods as applicable for the real properties. We work online, call the tax offices, send a fax or mail to collect the tax information from the local tax authorities. We go back to find all and any delinquent taxes and provide redemption amounts for up to two months ahead with the current year taxes.
LIEN VERIFICATION
We can provide information regarding your real property liens. Need to know or confirm your lien position? Need to verify open mortgages? This is the product for you.
LEGAL & VESTING
Obtain full legal description, confirm property location, and mortgage information. Establish vesting and identify parties to a property title. Verify property ownership before commencing a mortgage transaction and uncover potential fraud.
TITLE PLANT SERVICE OFFERINGS
Title Plant service offering title plant building, maintenance, indexing, abstract entry, fallouts, locates, property control maintenance and tract book. This product suits anyone looking to build a Title plant and upkeep that plant data.
MORTGAGE SEARCH
Before buying property, it is important that the buyer does his or her homework, which entails researching all the details about the property. A property mortgage search is part of the property record search normally conducted before a buyer commits to buying a house since the transfer of title can mean the transfer of many other things including equity liabilities. Therefore, brokers and buyers must conduct a search to find out all the details that involve the subject property before committing their signatures to a purchase contract.
ASSIGNMENT SEARCH
Assignment Search – We search current date backwards to locate the subject Mortgage/Deed of Trust and list all assignments related to the Mortgage/Deed of Trust
DOCUMENT RETRIEVAL
Providing the mortgage documents you need, when you need them.
With the most robust database in the industry and a nationwide network of field researchers, Bergrad can deliver everything you need to complete your mortgage files. No longer do you have to tie up internal resources to obtain mortgage documents or manage multiple vendors and track orders through various companies.