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Proudly serving attorneys, lenders and buyers with exceptional title insurance products underwritten by top-tier companies throughout the Carolinas since 2008.
Title Insurance • Commercial Real Estate • Residential Real Estate • Escrow • CRE Closing Services • Underwriting
COMMERCIAL
The extensive and complex nature of commercial transactions require experience to handle properly. The large investment of resources and time involved in commercial projects benefit greatly from title insurance so that you can be sure your investment is protected. Our years of experience allow us to provide you with the best possible service, so that you may continue forward with your commercial projects knowing that you have a quality insurance product available to you should any issues arise.
Harbor City Title is proud to offer commercial title insurance services in both North Carolina and South Carolina underwritten by some of the most widely known and respected title insurers in the country:
Chicago Title Insurance Company
Commonwealth Land Title Company
Fidelity National Title Company
First American Title Insurance Company
Old Republic Title Insurance Company
Stewart Title Guaranty Company
For more information or for any new commercial services, you can email CommercialFiles@HarborCityTitle.com or go to Contact Us for more options.
RESIDENTIAL
When purchasing a home, whether for your family or as an investment property, it is of the utmost importance that your rights to the land and home are protected. It is a one time cost paid at closing that is valid for as long as you own your property.
Obtaining title insurance is typically handled by your attorney. They will work with both the title company and lender to have title search performed and procure title insurance. Almost all mortgage lenders require a Loan Policy of Title Insurance as a condition of funding your loan to purchase the property, insuring them against many of the same risks covered by an Owner’s Policy as well as additional protections for the validity and enforceability of their loan.
While an Owner’s Policy is not required in North Carolina or South Carolina, it is highly recommended that you obtain one at the time of your purchase. If your lender thinks it is important to protect their investment with title insurance – don’t you think you should protect yourself with an Owner’s Policy, too? Due to the nature of premium calculations in North Carolina and South Carolina, the additional cost for obtaining both a Loan and Owner’s Policy simultaneously is relatively small compared to providing a Loan Policy by itself. For more information regarding residential title insurance, we urge you to speak to your closing attorney or contact us directly at Orders@HarborCityTitle.com or go to the Contact Us page for more options.
TITLE SEARCHES
A title search involves an extensive review of all pertinent information on the public record that may affect your property. Through our extensive contacts and experience, Harbor City Title is proud to be able to facilitate title searches in all areas of North Carolina and South Carolina, making us truly a “one stop shop” for all title insurance services.
For more information, please email CommercialFiles@HarborCityTitle.com or go to the Contact Us page for more options.
BACK POLICY SEARCHES
The use of a title insurance policy from a previous transaction on the same property, regardless of who owned the property at the time, can save you both time and money.
Back policies allow attorneys to limit the period they must search public records, thereby allowing them to perform the searches in a shorter period of time. There is also a premium discount for back policies that meet certain requirements: policies that are for the same property that are less than 15 years old in North Carolina (10 years old in South Carolina) will provide a discount of up to 50% off of the standard premium rate for your transaction.
Harbor City Title is proud to work with a number of respected national underwriters, thereby allowing us an extensive array of databases to search for previous policies including:
Chicago Title Insurance Company
Commonwealth Land Title Company
Fidelity National Title Company
First American Title Insurance Company
Lawyers Title
To request a title search or for more information, please email Orders@HarborCityTitle.com or go to the Contact Us page for more options.