• Buying a home or business?  Sullivan Law can help.

• Selling a home or business? Sullivan Law can help.

• Working with a bank or credit union for your purchase?  Sullivan Law can help.

• Working with private financing from the seller or some other person lending money?  Sullivan Law can help.

• Sullivan Law can help with any real estate transactions.

Title is the legal right to your property and title insurance protects you from legal challenges to your title.

Title insurance is different from homeowner’s insurance in that it protects your ownership of your property, unlike homeowner’s insurance that protects for damage to your property.

Examples of issues title insurance protects against:

• You may not legally own your property you paid for because of fraud.

• Someone else may still have an ownership interest in your property because the deed to transfer the property in the history of title is missing.

  • An example of this is one spouse selling property and the other spouse did not sign off.

•  Liens are a common occurrence on real estate, such as unpaid taxes or a child support judgment.  A debt of a prior owner could attach to the property and become your debt.

• Errors in documents in the Registry of Deeds may affect your ability to sell the property in the future.

An owner’s title insurance policy can cover dozens of problems to your property (depending on the policy type) that can impair your ownership.

Title insurance also covers defense costs, which means that the title insurance company will pay for the legal fees to defend your title.

If you do not obtain title insurance and end up in a place where you need to go to court to clear the title to your property, Sullivan Law has plenty of experience with this as well.  It is an expensive process that typcially costs $10,000 - $15,000, but if you did not obtain title insurance, we can still help you.

You may be ruing the day you agreed to take a private mortgage, but Sullivan Law can help you with the foreclosure process.

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