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Excel Abstract was formed in 1997 between the general managing partner, Sentry Abstract Company, and local realtors, lenders, and developers to help serve Berks County’s title insurance needs. Excel Abstract’s focus is to provide their customers with highest level of service in the title insurance industry. They strive to create flawless transactions from the day they receive the application until the day of closing. Their experienced and knowledgeable staff assists in resolving issues and making your transaction go smoothly.
There are two basic types of title insurance protection one for the mortgage lender and one for the homeowner or real estate investor. If a mortgage is to be placed on your new home or if you are refinancing an existing mortgage, the mortgage lender probably requires that you purchase title insurance to protect the lender. You, the homeowner, need an owner's title insurance policy to protect your investment. You only pay once, at closing and they provide the protection to you as well as the lender that lasts as long as you own the property.
In preparation for closing, they perform a title search, which is a detailed examination of the historical records concerning a property. Some of the things a title search uncovers are any unpaid taxes or mortgages, judgments against previous owners, easements, and many other court actions or recorded documents, which can affect title to real estate. They find and report such defects in the title to the real estate you wish to buy or refinance, so that these matters can be corrected and cleared up. In the event of a claim your title insurance policy protects you by defending your title in court if necessary. This is done at their expense and they bear the cost of settling a claim, if it proves valid in order to protect your ownership and title to the property.
Basically title insurance is the assurance that every possible cloud on the title to the land you are buying which can be discovered from the public records has been called to your attention so that such defects can be corrected before you buy. And it is insured that, if any undisclosed claim covered by your policy arises out of the past to threaten your ownership of real estate, it is disposed of, or reimbursed, exactly as your title insurance policy provides.

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