Settlement agents organize all aspects of a real estate settlement process for you. Hire them to take care of the following for you:

• Ordering the title
• Work involved in clearing the title to the property
• Preparing the settlement statement
• Disbursing funds after closing

An attorney may help you by offering legal advice and preparing documents like the property deed, deeds of trust, and the note. On the other hand, a title agent adopts an educative approach and will explain to you, the purchaser or buyer of the property, any and all things related to the settlement process, such as title requirements, liens, disbursements, and taxes. Additionally, title companies usually have legal counsel and can provide legal services to their customers.

The ultimate decision rests with you - not your lender, your attorney, your title company, or the other party in the rea

When you enter a contract for real estate closing with C&C Title & Settlement, LLC, we order a title search. The search informs us about the liens that are of record and who the record owner is. However, a title search is not insurance. The title insurance covers various property transaction mishaps like:

• Forged legal documents
• Errors in indexing at the courthouses
• Any unforeseen claims that may be asserted against your property
• Financial loss and payment of all legal costs involved in defending your title claim

You can make the decision to purchase title insurance when you buy your real estate property. Your one-time fee will cover you both while you own the real estate and in the future.

While title insurance is not legally mandated, lenders usually make it a prerequisite. Lender's title insurance only covers the lender's investment in your property. Owner's title insurance, while providing you with adequate coverage, can also be beneficial by virtue of its flexibility. Transferring of title information to the property buyer when you're selling your property allows them to cut down the time spent on the title search. Additionally, any possible title issues are eliminated.

Owner's title insurance can also be used whenever you refinance and help you get a reissue credit on your lender's title insurance policy.

According to the State law known as the Wet Settlement Act, 48 hours is the deadline for settlement agencies to disburse at the end of the rescission period from the time of settlement and refinancing.

Although the duration depends on the number of lender forms to be signed, clarifications to be made, and so on, we ask you to set aside at least an hour for the process.

Deed signing can be completed within 15 minutes, depending on the number clarifications.