SERVICES

Services

Tar Heel State Title was established with the idea that an independent title insurance agent can be relevant in today’s marketplace. At Tar Heel State Title, we provide a level of service and knowledge of our customers that cannot be matched by the big corporations. When a client calls Tar Heel State Title they talk to the decision maker, they do not have to wade through multiple levels of management to get an answer to their questions – they call – they get an answer.

We believe that title insurance really is more than just another fee – it's about the people in the real estate transaction. Whether it’s a residential or a commercial transaction – a title claim will keep the property owner up at night – We keep this in mind every time we insure a title. It’s that level of caring that differentiates Tar Heel State Title.

Tar Heel State Title is a policy issuing agent for WFG National Title Insurance Company and Alliant National Title Insurance Company.

Residential Title Insurance

New homeowners want to focus on buying new furniture or painting walls, not worrying about paying a bill left behind by a previous owner. Lenders require a title insurance policy to protect their investment. You should have a policy to protect your investment as well. For a one-time fee paid at closing, an owner’s policy can protect your property rights for as long as you or your heirs own the property.

An owner’s policy protects you from issues like:

• Unpaid mortgages
• Unpaid property taxes
• Child support liens
• Missing heirs who could claim the property belongs to him or her
• Missed easements or rights of way that could limit your use of the property

There are two types of title insurance policies. The owner’s policy protects the homebuyer. A loan policy protects the lender. Most lenders usually require a loan policy when they issue you a loan. The loan policy is based on the dollar amount of your loan. It only protects the lender’s interests in the property should a problem with the title arise. It does not protect the buyer. The policy amount decreases each year and eventually disappears as the loan is paid off. An owner’s policy, usually issued in the amount of the real estate purchase, provides protection for as long as you or your heirs have an interest in the property.

Investment Property - Title Insurance

No real estate investment is without risk, and that risk can slow or even break your transaction – especially if you don’t have an experienced title insurance agency to work with. We provide property buyers, lenders and others protection against losses from certain title issues for transactions of all sizes and complexities.

Through skilled, responsive, common sense title underwriting, Tar Heel State Title is committed to keeping your deals progressing. Our professionals are experienced in transactions involving estates, heirs, foreclosures, and other complex issues.

Industry Best Practices

Tar Heel State Title, LLC continues to provide professional quality service to our clients and is committed to protecting the security of the consumers. We are an authorized policy issuing agent for Alliant National Title Insurance Company (for North and South Carolina) and WFG National Title Insurance Company (for North Carolina)

In accordance with that commitment our company is a confirmed agent listed in the American Land Title Association Registry. Additionally, Tar Heel State Title, LLC is certified as an Authorized Service Provider for Alliant National Title Insurance Company. To earn Alliant National's Authorized Service Provider certification, Tar Heel State Title, LLC demonstrated a track record of complying with Alliant National's control standards, which includes an extensive review under Alliant National's Agent Quality Management System (Agent QMS). The Agent QMS has been SSAE 18 Type 2 compliant since 2014 and is certified annually by A-Lign, a national independent CPA firm specializing in security, assurance and compliance auditing. Tar Heel State Title LLC falls within the umbrella of Alliant National's SSAE 18 Type 2 and is tested annually and re-certified by Alliant National. The latest SSAE 18 Type 2 report is available to upon request.