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Title Insurance and Real Estate Closings
Title Insurance protects the insured from a financial loss related to the ownership of property.
There are two policies for a purchase of a home: The lender's policy and the owner's policy.
Both are a ONE-TIME, upfront cost ( not a monthly premium add to your mortgage payment)
When you're in the process of buying a home, a title research company will check the property's ownership history. Ideally, your new home has what's called a "clear title". That means the current owner, who is selling to you has complete ownership in the property without any legal claims against it.
A title issue or defect that arises after a closing could at the very least mean a variety of legal costs for you and at the worst-case event, the loss of your property and the money you put in it.
It makes sense to cover yourself and the property with an owner's policy which stays in effect as long as you own the property.
HOURS & LOCATION
SERVING ALL OF NJ
101 Eisenhower Parkway
Roseland NJ 07068
Monday - Friday
8:30 am to 5:30 pm
9:00 am to 12:00 pm
Evenings by Appointment
Smart Choice Title Agency has 25 years experience.
Close at our office, your attorney's or realtor's office.
We handle the closing and title insurance from start to finish.
Record your deed and mortgage
Disburse all checks for your transaction
Purchase Closings / Settlement Services
In-Home Refinance Closings
We make arrangements with your lender to close in our office or your home or office.
Notary is provided at no charge to you
Appointments from 8 am to 8 pm