Loan Closings
Our staff has the knowledge and experience necessary to prepare all closing documentation to insure you have a smooth transaction.
Real Estate Title Searches
We provide comprehensive real estate title searches throughout New Hampshire, Massachusetts and Maine.
Real Estate Closings
We provide flexible closing times and locations. Closings can take place at your office, our office, the Registry of Deeds, or some other agreed upon location.
Title Insurance
We are licensed agents for Commonwealth Land Title Insurance Company and First American Title Insurance Company.
ABOUT US
We know when it comes to your title, there is no room for error. That’s why our title closing staff is comprised of experienced title professionals and lawyers, who remain up to date on the latest laws and regulations regarding titles and relating matters. We make the title and closing process as efficient and worry free as possible, so you can be excited about your new home.
Lawyers on Staff for You
We know the law. You don’t have to. Trust our experience.
Title Insurance FAQ's
Once a copy of the Purchase and Sale Agreement has been supplied and we have obtained some basic information, we begin the behind-the-scenes process of having the title to the property you are purchasing searched at the Registry of Deeds. Our team will coordinate all aspects of the closing, including obtaining mortgage payoffs, real estate tax information, realtor fees, condominium fees, if applicable, and other items necessary to get ready for the closing. We can assist you with hiring other professionals such as home inspectors, engineers and surveyors.
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Purchasing a home is likely the most significant purchase of a lifetime. What exactly is being purchased? Obviously, all of the buildings on the property and whatever items of personal property the seller has agreed to sell are sold. But what about the dirt - the real estate that the buildings sit on - is that being sold and who has the right to sell it? The conveyance of real estate is described in the law as the "transfer of title to the property." If it is so easy to describe, what is the point of title insurance, who pays for it, and what does it cost? Simply put: Title insurance prevents surprises and makes sure you get what you paid for.
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Lenders generally require as part of the loan transaction title insurance. This insurance insures the title to the home to the extent of the lender's interest in the property. Thus, the insurance covers the amount of the mortgage and only for the duration of the loan. Once the loan has been paid in full, the policy no longer provides any benefit.
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The owner is required to pay for the lender's coverage and if desired also pays for the owner's policy. Both policies are priced based on the amount of the coverage. The amount of the loan and the value of the home as determined by the purchase price determine the cost of the policies. When both policies are purchased simultaneously, the cost for both policies is slightly less than if the two policies were purchased separately.
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What types of coverage does Barristers offer? We are licensed First American Title Insurance Company and Commonwealth Land Title Insurance Company agents. Our underwriters offer two levels of coverage for the benefit of owners. Standard Coverage and Enhanced Coverage.
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