Alliance Title LLC has been serving Chattanooga, East Brainerd, Hixson, Lookout Mountain, and North Georgia for over 10 years. Our real estate and title expertise ensure that our clients can count on us for elegant solutions to even the most complex title matters.
Throughout the entire title and closing process, our primary focus is on serving our clients. Every file comes with unique requirements, and we give every client the individualized attention they deserve. We serve as your guide from the moment the title is ordered or the closing is scheduled, walking you through every step of the process.
We’re here to answer client questions on closing day – and at any point during the closing process. We understand that timelines can be tight and closings can be stressful, so we pride ourselves on being responsive and attentive to our customers’ needs. We always go the extra mile to make sure they have the information they need when they need it.
At Alliance Title LLC, we’re your experts in title and real estate closings. Our services include:
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Where can I get a real estate closing?
At Alliance Title, we are proud to serve the Chattanooga, TN area and its surrounding suburbs. Our coverage extends to:
- Signal Mountain
- Red Bank
- East Ridge
- Fort Oglethorpe
Our service area ensures that all of our clients receive the same level of professional, personalized service no matter where they are located.
We understand the unique requirements of each real estate transaction and work to provide tailored, individualized attention to every client. Whether you are buying, selling, or refinancing a property, our team of experienced title examiners and underwriters will provide you with peace of mind and ensure that your ownership rights are secure.
Frequently Asked Questions
We understand that the title and closing process can be overwhelming, so we've compiled this information to help guide you through it. If you have any additional questions, please don't hesitate to reach out to our team.
A title is the foundation of property ownership. It is the owner's right to possess and use the property.
Because land is permanent and can have many owners over the years, various rights in land may have been acquired by others (such as mineral, air or utility rights) by the time you come into possession of it, even if the land has never before been built upon. So in order to transfer a clear title to a piece of land, it is first necessary to determine whether any rights are outstanding.
A title search is a detailed examination of the historical records concerning a property. These records include deeds, court records, property and name indexes, and many other documents. The purpose of the search is to verify the seller's right to transfer ownership, and to discover any claims, defects and other rights or burdens on the property.
A title search can show a number of title defects and liens, as well as other encumbrances and restrictions. Among these are unpaid taxes, unsatisfied mortgages, judgments against the seller and restrictions limiting the use of the land.
Yes. There are some hidden risks that even the most diligent title search may never reveal. For instance, the previous owner could have incorrectly stated his marital status, resulting in a possible claim by his legal spouse. Other hidden risks include fraud and forgery, defective deeds, mental incompetence, confusion due to similar or identical names, and clerical errors in the records.
Title Insurance is your policy of protection against loss if any of these problems, even a hidden risk — results in a claim against your ownership.
That depends on the claim. In an extreme case, you could lose your entire home and property — and still be liable to pay off the balance of your mortgage. Most claims aren't that dramatic, but even the smallest claim can cost you time, money and aggravation, and you may have to pay costs for a legal defense.
If a claim is made against your property, title insurance will, in accordance with the terms of your policy, assure you of a legal defense — and pay all court costs and related fees. Also, if a claim proves to be valid, you will be reimbursed for your actual loss up to the face amount of the policy.
Yes. Basically there are two different types of policies — a loan policy and an owner's policy. The loan policy protects the lender's interest in the property. The owner's policy safeguards the buyer's investment in the property.
Probably a lot less than you think, and unlike other insurance premiums which must be paid annually, a title insurance premium is paid one time only. Contact our office for a detailed quote.
Owner's title insurance provides protection against hidden risks to the title for as long as you or your heirs own your home.