We understand that many people find the real estate settlement process complicated and confusing subsequently, entering into that process with hesitation and misgivings. By choosing our company to guide you, you have chosen a team that works hard to present a clear and comprehensive approach to this process, from beginning to end. We embody the ardent definition: Passionate, eager, enthusiastic and intensely devoted! Combine that with our 20 years of settlement experience and you have a formidable team able to exceed all of your needs and expectations! Ardent Title Company is dedicated to providing you with the expertise you need in Title and Escrow services. Ardent's employees take pride in providing customers with a level of satisfaction that is unparalleled in the title industry. Based on our knowledge and experience, we are confident that you'll appreciate the Ardent difference. Take a moment to familiarize yourself with our company and our team we want you to understand that our dedication to customer service in the title and real estate industry revolves around you - Our Client! Title Insurance protects the insured against items such as: ERRORS - Documents that are misindexed in the public records due to a clerical mistake or documents misplaced before being properly recorded. UNKNOWN HEIRS - Legitimate heirs that may have been overlooked in the probate process or an heir thought to be deceased who may have a claim to interest in the property. FORGERY - Forged deeds, releases of mortgages and other documents in the public records. FRAUD - Deeds made by persons claiming to be single but in fact married or by individuals falsely impersonating the true owner. EASEMENTS - Unrecorded easements that provide access for construction of roads or utility lines at a later date. There are two types of title policies available lenders and owners. Lenders requires the homebuyer to purchase a lender's policy, as it secures the lender's interest. An Owner's policy is available, which covers the homebuyer's financial interest. - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - What does a Settlement Agency/Title Company Do? Orders title search, surveys and payoffs Clears any title problems Prepares the Title Insurance binder/commitment Verifies taxes, HOA fees, ground rent, condo fees Prepares HUD1 according to closing instructions Conducts settlement Copy and ship closing packages Disburse funds Ship payoffs Records legal documents Obtains release Records release Prepares Title policy