Policies / Title Process

​Welcome to Texas Star Title!

​Understanding Title and Policy Insurance
At Texas Star Title, we believe in providing clarity and peace of mind throughout your property transaction. Below, you'll find a detailed explanation of the title and policy insurance process to help you navigate your real estate journey with confidence.

What is Title Insurance?
Title insurance is a form of indemnity insurance that protects lenders and homebuyers from financial loss sustained from defects in a title to a property. It is essential to ensure that the property you're purchasing has a clear title and is free from any legal issues that could jeopardize your ownership rights.

The Title Insurance Process
  1. Title Search
    • Purpose: To identify any potential issues with the property title.
    • Process: Our team conducts a thorough search of public records to uncover any existing liens, encumbrances, easements, or other restrictions affecting the property.
    • Outcome: We compile a detailed report of our findings, ensuring that any issues are addressed before proceeding.
  2. Title Examination
    • Purpose: To analyze the findings from the title search.
    • Process: Our title experts review the title search report to verify the legal status of the property and identify any potential risks or defects.
    • Outcome: We ensure that all discovered issues are resolved, or the appropriate exceptions are noted.
  3. Title Commitment
    • Purpose: To provide a commitment to issue title insurance.
    • Process: We issue a title commitment document, which outlines the conditions that must be met before the final policy is issued.
    • Outcome: This document serves as a promise to insure the title once all specified requirements are satisfied.
  4. Clearing Title Issues
    • Purpose: To resolve any title defects or encumbrances.
    • Process: We work with relevant parties to clear any discovered issues, such as unpaid taxes, judgments, or previous liens.
    • Outcome: A clear title, ready for insurance issuance.
  5. Closing
    • Purpose: To finalize the property transaction.
    • Process: During the closing, all necessary documents are signed, and funds are transferred.
    • Outcome: You receive the keys to your new property, and we prepare to issue the title insurance policy.
  6. Issuance of Title Insurance Policy
    • Purpose: To protect your ownership rights.
    • Process: Once all closing conditions are met, we issue the title insurance policy.
    • Outcome: You are protected against any future claims or legal disputes over property ownership.

Types of Title Insurance Policies
  1. Owner's Policy
    • Purpose: To protect the buyer's interests.
    • Coverage: Provides coverage for the full purchase price of the property and protects against future title issues that could arise.
    • Duration: Valid as long as you or your heirs have an interest in the property.
  2. Lender's Policy
    • Purpose: To protect the lender's interests.
    • Coverage: Covers the amount of the loan and ensures the lender has a valid lien on the property.
    • Duration: Valid until the loan is paid off.

​Why Choose Texas Star Title?
  • Expertise: Our experienced team is dedicated to ensuring your title is clear and protected.
  • Efficiency: We streamline the title and policy insurance process, making your transaction smooth and hassle-free.
  • Support: We provide ongoing support and guidance throughout your real estate journey.

Contact Us
Have questions or need assistance? Our friendly team is here to help: CONTACT US → 
Thank you for choosing Texas Star Title. We look forward to serving you and protecting your property investment.