Dagger Law provides title agency services through our affiliate; Hocking Valley Title Agency.
Hocking Valley Title Agency, Inc. is a full service real estate title insurance company. HVTA offers title examination services and escrow and closing services in all of Ohio’s 88 counties.
The following items can be handled by HVTA’s two licensed Title Agents:
- Residential sales
- Refinance transactions
- Commercial sales
- Agricultural deals
- Provide owner’s and loan policies of title insurance,
- Certificates of title,
- Preliminary judicial reports,
- Final judicial reports, and
- Judicial commitments.
With HVTA’s experience and expertise, they can handle any real estate transaction — large or small.
How can a title agent help me if I’m planning on selling my own home, or property?
Hocking Valley Title Agency’s title agents, and Dagger Law attorneys can provide a full range of services for people wanting to sell their home on their own, including:
- Contract negotiations
- Contract drafting
- Conducting a title examination
- Preparing the closing documents
- Assisting with the closing and disbursement of funds
- Recording the deed after closing
Our attorneys can also represent buyers with respect to contract negotiations, inspections and other due diligence matters, and reviewing the title commitment and the exception documents referenced in the title commitment.
What kind of Title Insurance do I need, if any?
HVTA’s experienced title agents can help provide a tailored answer for this question, but here are the common types of title insurance that HVTA offers:
An Owner’s Policy of Title Insurance provides the buyer with peace of mind and protection against serious financial loss due to a defect in the title to the property purchased. If a claim adverse to the buyers is asserted, the title insurer, without any expense to the buyer, will defend the buyer against any attack on the title to the property as insured. If the defense is successful and the owner of the real estate sustained no loss, the title company will have no further liability. If, however, the owner suffers an actual loss and such loss was caused by title defects that were not excluded from coverage in the policy, the title company will indemnify the owner against such loss, subject to the terms of the policy.
Title insurance for mortgage lenders is called a Loan Policy of Title Insurance. The Loan Policy is usually issued in the dollar amount of the loan and the policy amount decreases each year as the loan is paid down, eventually disappearing when the loan is paid off. A Loan Policy of title insurance protects the lender’s interests in the property should a problem with the title arise; it does not protect the buyer. Most lenders require a Loan Policy when they issue a mortgage loan and require that the property owner pay for the policy.