For any deal to go through smoothly, the transaction needs to take place in a controlled fashion. With an experienced team of professionals at your disposal, Proserv allows you a stress-free atmosphere by helping you make informed decisions, thereby giving you the best deal.Proserv offers title companies and financial institutions a great way to streamline applications and substantially increase revenues.

A title is an abstract concept that signifies one or more individuals own the property listed on the face of the title. State laws vary regarding exact procedures for effectively recording title to property; however, a majority of states agree that each transfer of title must be recorded in a county recorder’s office for an owner to hold valid title. Before you purchase a property, confirm that the seller holds valid title to the property. A title insurance company will search the property’s title index for you for a fee, or you can visit a county recorder’s office and search the title index.
Title Search Services
  • Property Searches
  • Property Assessment & Tax Search
  • Judgments Search
  • Abstracting Services
Abstracting Services
  • Last Owner Vesting(LOV)/Deed Report
  • Ownership and Encumbrance Report
  • Current Owner Search
  • Two Owner Search
  • Chain of Title Search
  • 10-20- 30 Year Search
  • Purchase Money Mortgage Search
  • Full Search
  • Closing Update
  • Document Retrieval Services
Current/One Owner Search (C/O)

A search that goes back to the FVD and each deed in the chain that was recorded since the FVD must be reviewed to verify that the title passes to the current owner of record.The names of the grantees in the FVD and all subsequent title holders must be run for general liens, such as judgments and federal tax liens for the full statutory period applicable for that state. If a party is listed on a refinance order that does not appear on the FVD, then the name(s) must be run for liens and judgments like any other owner.

In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of. Where the subject property is located in an area where mineral conveyances and reservations are common, all such conveyances and reservations must be specifically excepted from the legal description.

Two Owner Search (2/O)

A search that goes back to the two FVD and each deed in the chain that was recorded since the FVD must be reviewed to verify that the title passes to the current owner and two owners of record.

The names of the grantees in the FVD’s (current owner & two owners) and all subsequent title holders must be run for general liens, such as judgments and federal tax liens for the full statutory period applicable for that state. If a party is listed on a refinance order that does not appear on the FVD, then the name(s) must be run for liens and judgments like any other owner.

In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of. Where the subject property is located in an area where mineral conveyances and reservations are common, all such conveyances and reservations must be specifically excepted from the legal description.

Full Search (F/S)

The length of search that is defined by state statute as the full applicable statutory period required for marketable title or the customary standard in the state where the property is located.

The search should include all names in the chain of title and should report liens and judgments for all owners, current and past. The names must be run for general liens, such as judgments and federal tax liens, for the full statutory period applicable for the state. In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of. All necessary or customary ancillary searches applicable to the property type and location shall be performed and reported. Examples of ancillary searches include but are not limited to housing or building code enforcement, personal property tax, and municipal lien and traffic adjudication searches.

All easements, covenants, conditions, and restrictions (CC&Rs) or related documents such as amendments, annexations, or restated CC&Rs posted to the subject property must be reported.

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

Proserv have an extension of a title search to verify that no liens have been filed against the subject property between the time of the original title search and the recording of the Security Instrument and or Mortgage/Deed of Trust. The taxes should be updated with present tax findings.

Deed Search

Deed Search is checking the Full Value Deed to Start the Search, and to provide Chain of Title.

Mortgage & Deed of Trust

To Check Open Mortgages / Deed of Trust which is related to given property, and Additional Documents which include Assignment, Modification, Subordination, Substitution of Trustee, and upload the search docs in the file.

Tax Research

We provide comprehensive solutions on real estate Tax information for insured and uninsured products with widespread coverage in the United States and quick turn times.

There are two different sources to get the taxes information

ONLINE
For Some States, we can access the Tax Information through County Tax Collectors online website (By using Netronline)

CALL
Calls are made to relevant County Assessors and Tax Collectors Office to get the taxes information.

Judgment Searches

To check if there are any Judgments against the borrower by using the Risk.Nexis.com and upload the search docs in the file.

Lien Clearance

Verify if there are any closed liens showing on title and request for release/ Paid in full letter. Request judgment payoffs.

Bankruptcy searches

To check if there is any Bankruptcy filed against the borrower by using the PACER site and uploading the search docs in the file.

Commitment Typing

Type the Vesting, conveyance, and 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.

Coverage

We offer a full array of title, Electronic Searches, Tax Products and Ground abstracting across the Country. Our Abstracting service includes the following excellent features and benefits.We offer the lowest cost service in comparison to local title agencies (50% Savings) in the most efficient way. Our terms are the shortest; most searches can be completed within 24 hours.