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Services
Fiduciary Title Agency is a full-service provider for any title matter. We pride ourselves in providing courteous and accurate title, escrow and closing services, as quickly as possible.
Since 1951, thousands of customers appreciate the high degree of professionalism, accuracy, efficiency, and honesty that we bring to every closing. Our counsel works closely with attorneys to make their jobs easier.
To better serve our customers, we offer expert underwriting for and management of complex commercial real estate transactions. Multi-site and multi-state transactions are coordinated through a single point of contact.
We issue title insurance and offer escrow services for pre-closing and post-closing deposits in interest-bearing accounts for any size transaction.
Our legal team is on our staff- so if the need arises, we have both legal services available to help ensure the closing happens on-time and with legal representation.
There are many defects that can cloud a title. That's why it’s so important to work with an accomplished and thorough title agency.
Here are some instances to be aware of (and we help you mitigate):
- An incomplete or incorrectly exercised foreclosure or tax taking;
- Property rights that were not totally extinguished by a divorce or the probate of an estate;
- A seller revealed, even years later, to not have actually owned the property. This may result from actual fraud or something as innocent as an expired or improperly executed Power of Attorney, and happens way more often than one might want to know;
- Mistakes in recording (or failing to record) earlier documents, such as wills or probate decisions;
- Liens for unpaid work (mechanics liens) or for estate, income, or gift taxes;
- Adverse possession which occurs when someone has openly used a portion of another's property (a path to the beach or an improperly positioned fence) for a period of time without a challenge by the land owner.
- Previously unnoticed rights-of-way or easements. These give a non-owner (the city, a utility, a neighbor) the right to use a piece of a property. Cities and utilities often demand or purchase easements to allow construction or repair of utility or sewer lines. A neighbor may have a right-of-way to access a land-locked parcel or construct a driveway.
- Failure to extinguish a lender's rights. When a mortgage is sold to another lender or paid off by the borrower, an assignment or a discharge must be recorded transferring or canceling the mortgage. One of the real nightmares of the 1980s/1990s banking crisis were the thousands of mortgages which failed banks had not properly assigned. Without an assignment, the bank which held the mortgage could not discharge it when it was paid. RTC and FDIC, as receivers of those banks, often had no records of the old mortgages and could not know if or to whom they had been sold or whether they had been paid. Clearing these situations was both time consuming and expensive.
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Services offered:
- Full title insurance
- In Office and Out of office closings
- Online orders
- Timely title searches and committments
- Judgment/lien searches
- UCC and Co-op searches
- ACRIS recording and preparation of E-Tax forms
- Any other title matters
- Purchasing Network
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"Ensuring good deeds since 1951"
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