Buying a home? You need to be certain that the seller is the true owner of the property and that no outstanding issues damaging title carry over to you. Why? Because if there are problems with the title it can restrict the use of the property and ultimately result in financial loss. That's where Rainier Title & Escrow can help you. We conduct a comprehensive title search that will cover your investment with a title insurance policy to give you peace of mind that your ownership is free and clear of any issues. The cost is minimal and is only paid once by the seller. There are no renewal premiums, and on there is no expiration date on the policy. Yet the protection last as long as you, your heirs, maintain an interest in the property.
Our Resource Guides help explain what can be expected throughout the transaction process and provides helpful tips, transaction notes and checklists.
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What is Title?
The word title is a collective term for all your legal rights to own, use and dispose of land. Title includes all previous ownership, uses and transfers. In order to insure the transfer of real estate property, a title search must be performed. Title insurance protects against the possibility of future loss should your legal rights to your property be challenged.
What is Escrow?
Escrow is a system of document transfers in which a deed, bond or funds are delivered to a third person to hold until all conditions in the contract are fulfilled. In other words, Escrow provides one central place where all funds & documents may be deposited.
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Wire Fraud continues to remain one of the most organized cybercrimes involving real estate. Scammers are sophisticated at hacking emails and mimicking a company’s email address, letterhead and documentation. This alert is to educate and protect our clients.
If you are required to bring funds to close and choose to wire, you must verify our bank account information via telephone directly with a member of your closing team. When verifying our wire instructions, you should use contact information provided to you form a trusted and independent source, such as Rainier Title’s website, the first page of your settlement statement, by internet search or a previously verified telephone number. We are not responsible for any wires sent by you to an incorrect bank account.
We send our wire instructions in the beginning of the transaction and they will not change. If you receive revised wire instructions for Rainier Title, you should consider it an attempt of fraud and immediately call your closing team.