Title Commitment

Why You Need a Title Commitment

When you set out to buy residential real estate, you of course want to know that the person or entity from whom you are purchasing the property actually owns it (e.g. holds the deed to the property). You want to make sure that there aren’t other entities and/or individuals, such as governmental bodies, contractors, lenders, judgment creditors or the Internal Revenue Service, with claims to the property, or improvements located thereon. If these liens or encumbrances are not properly cancelled on the deed records, or properly satisfied, when the property is transferred to you, they will remain with the land until they are satisfied, and, as such, may restrict, or burden your intended use and/or enjoyment, of the property.


What Your Title Attorney Does

Before underwriting your title insurance policy, your title attorney will search the public records, for a period of fifty years prior, to reveal any defects in the title and to identify all recorded encumbrances on the title to the property, such as unpaid property taxes, unsatisfied mortgages, judgments and tax liens against the current owner or previous owners, easements, encroachments, restrictions, and court actions.


If you employ an experienced Georgia title insurance attorney to conduct the title search, you will likely obtain additional security in this regard.


The recorded defects in title are reported to you and your lender prior to your purchase of the property by way of a title insurance commitment, at which point you may ask the seller to correct said defects and reject the contract if he/she fails to do so, or, in the alternative, accept the contract subject to what ever exceptions are shown on your title commitment.

Request a Free Quote For Title Commitment Services

This information will allow us to give you a quote for your specific needs. We will get back to you very soon (usually within an hour). You can also call us if you need more information sooner. Toll Free 866-752-4445