Banking Financial and Insurance services

Banks and Financial institutions are facing numerous challenges – the economic environment, stiff competition, regulatory pressures and increased consolidation. Banks are shifting their focus to continuously introduce new products and services to stay ahead of the competition with a strong emphasis on customer acquisition and retention, to keep growing while remaining profitable.

 

Title Insurance:

Nationwide Online Title Search and Property Report
We are experienced in online nationwide Title Search, Report Generating, Tax search, Mortgage process, Indexing services, we have a combination of highly skilled staff, and innovative process and technological advances has created a service level that strives to continually exceed the expectations of the client. Our global approach allow us to dedicate ourselves to providing unparalleled accuracy and an over all customer and customer’s client satisfaction. Title Services customized as per each customer's work flow requirements

Cost savings of 30% to 50% of equivalent in-sourced work

Contribution to business extends well beyond cost savings

Trained talent base, process innovation capabilities, and technology help to discover new ways of growing business and offer more prompt services to customers

  • Turnaround time of 24 hours or less offered on all services

    • 1. Current Owner Search

       

      • Title Report
      • Vesting Deed
      • Chain deed(s) for 24 months
      • Security Deed(s) / Mortgages
      • Judgments and Liens

      2. Two Owner Search

      • Title Report
      • Vesting Deed
      • Previous Owner Chain deed
      • Chain deed(s) for 24 months
      • Security Deed(s)
      • Judgments and Liens

      3. Full Search

      • Title Report
      • Security Deed(s)
      • Vesting Deed
      • Chain deed(s) for 40 Years
      • Assignments
      • Power of Attorney
      • Affidavits
      • Liens
      • Covenants
      • Easements
      • Plat Map
      • Taxes

       4. Deed Only Search

      Copy of the current deed to verify ownership and give the legal description for mortgage recording.

      5. Condominium Search

      • Master deed
      • Amendments
      • Declaration of Trust
      • Current list of Trustees
      • Most current phase

      6. Bring Downs/Date Downs/Updates (U/D)

      An additional title search to make sure nothing adverse has been recorded in the real estate records since the time of the original search and the recording of the deed or mortgage. The taxes should be updated with present tax findings.

      7. Abstract Keying/ Commitment Typing

      Type the Vesting, conveyance, mortgage, judgments/liens and taxes information into the Client Application as per the Abstract report and proof for any typos or mistakes to correct them.

      8. Judgment Searches

      To check if there is any Judgments against the borrower and upload the search docs in the file.

      9. Bankruptcy searches

      To check if there is any Bankruptcy filed against the borrower and upload the search docs in the file.

      10. Tax Search

      • Provides Tax Information
      • Assessment Information
      • Tax Status
      • Paid Tax Details
      • Deliquent Taxes
      • Various Property Reports and Product List
      • The complete picture of property and owner's status can be got with our following property and title reports.
      • Full Title Report
      • Current Owner Property Information Report
      • Ownership and Encumbrance property report
      • HELOC/Legal and Vesting Report
      • Deed and Mortgage Search Report
      • Mortgage Record Verification
      • Mortgage Release Verification
      • Land Title Report
      • Commitment Typing
Flood Zone Determination & Certification

Flood Zone Determination Services


Our Flood Certification independently verifies a property’s flood status based on the date of the current Flood Insurance Rate Map (FIRM) and the date the order was received. Our comprehensive, user-friendly reports flag troublesome results, enabling you to quickly evaluate loan risk and process applications more efficiently. Through the powerful combination of our manual mapping and quality control methodology, proprietary software, graphic information system applications, and highly trained staff, we offer a complete, guaranteed flood hazard disclosure solution for the real estate and insurance industries.

We Process
  • Basic flood Certification
  • Portfolio Service
  • Life of Loan Flood Certification
Basic Flood Certification

Our Basic Flood Certification provides one-time flood plain determination. Conclusions are based on the most current data detailing a property’s flood-zone exposure. You can order our report through our secure online platform. Reports include:
  • Key details on the property including community name and number, panel number, suffix, and date
  • A notice to the borrower for all properties in and out of a Special Flood Hazard Area (SFHA)
  • Indemnification for flood loss claims and fines due to noncompliance
  • Errors and Omissions (E&O) coverage
  • Home Mortgage Disclosure Act (HMDA) data


Portfolio service

During a flood audit review, your entire portfolio is covered under a blanket flood policy to offer immediate protection. Each property in your portfolio will be researched with the same level of precision as with single orders. We also offer life of loan service for portfolio reviews. Life of Loan Flood Certification With our Life of Loan Flood Certification, you receive notification of any changes in the property’s flood zone status. Notifications will occur within 60 days of updates to the Flood Insurance Rate Map (FIRM). Reports include: Tracking flood hazard status for the term of the loan Monitoring of Federal Emergency Management Agency (FEMA) flood map revisions and National Flood Insurance Program (NFIP) community participation status changes Notification of all future FEMA map changes affecting flood insurance requirements A notice to the borrower for all properties in and out of a Special Flood Hazard Area (SFHA) Free transferability Free recertification provided the borrower and property address remain the same

 

SMART IS YOUR 24/7 ABSTRACTING TEAM!   We carry E & O insurance

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