When it comes to title insurance and closings, one size does NOT fit all. Think of us as your personal tailor.
Our on-boarding team will meet with you to determine your specific needs. Our processes will be adapted in real time to efficiently meet those needs. The end result is a tailor-made title and closing solution that is suitable for your every need.
ALTA Commitment, Loan Policy and Owner's Policy
As a member of the American Land Title Association, CSS utilizes standard ALTA forms and partners with multiple underwriters to issue lender's and owner's title insurance policies. An ALTA commitment will disclose the property's ownership, legal description, tax information, and cite exceptions form coverage such as judgments, mortgages, easements and other encumbrances. The commitment will also state those requirements that must be met to clear title and issue the title insurance policy.
Junior Loan Policy
For lenders needing insurance coverage for junior loans – typically refinancing equity loans or lines of credit – CSS will provide a lower cost title product covering date of ownership, vesting, judgments, voluntary and involuntary liens, applicable encumbrances, and real estate tax status.
Updated Reports
To ensure our clients have the most up-to-date reporting information, CSS will provide an updated version of the policy report or commitment effective through the current “as of” date of the land records, and we will mark any changes made since the report’s previous filing date.
Closing Options
Our closing team is staffed with a large number of experienced, accommodating closing personnel servicing both refinance and sale transactions. Settlement options include: branch closings, notary signings, mail-out closing, or our newest option - Electronic Closings! Try this new technology that saves your customers time and money.