Residential / Commercial

Title Settlement Services

We're the company you're looking for to ENSURE your property is safe

Ready to get Started ?

What We Do

Residential Title

Pearl Title provides lenders policy and owners policy for residential transfers or refinances through out all of Nevada's 16 counties.

Commercial Title

Here at Pearl Title we provide a lenders policy and an owners policy for commercial transfers or refinances throughout all of Nevada's 16 counties

Escrow Settlement

Pearl Title offers escrow services for all types of property transactions, both residential, and commercial. Our team of professionals are ready to help ensure all conditions are met, and deliver trouble free transactions

More About Us

Tools & Services

Residential Title

Pearl Title provides lenders policy and owners policy for residential transfers or refinances throughout all of Nevada’s 16 counties.

Commercial Title

Pearl Title provides lenders policy and owners policy for commercial transfers or refinances throughout all of Nevada’s 16 counties.

Escrow Settlement

Pearl Title offers escrow services for all types of properties, both residential and commercial.Our professional team is ready to help the process run smoothly, deliver trouble free transactions, and ensure all conditions are met.

Technology

Pearl Title offers various tools along with multiple calculators to ensure that you are well informed and no surprises occur at the finish line when closing.

in the real estate transaction

How We Protect Your Clients

After your sales contract has been accepted, Pearl Title Company will search all related public records to look for any problems with the home’s title. This search typically involves a review of land records going back many years. More than 1/3 of all title searches reveal a problem with the title that we will make sure is fixed before you go to closing. For instance, a previous owner may have had minor construction done on the property, but never fully paid the contractor.

Want to know...

Why Real Estate Agents Trust Pacific Coast Title Company

FAQ

Frequently Asked Questions

The title to a piece of real estate property is the evidence that the owner is in lawful possession ofthat property.

Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or defects in the title to the property. Each title insurance policy is subject to specific terms, conditions and exclusions. When you take out a mortgage to buy a home, your lender is going to require you to purchase title insurance in order to protect their interest. Title insurance protects you and your lender financially for many unknown claims or defects in the title of the property you are buying.There are two types of title insurance policies:The owner’s policy which protects you for as long as you own the property and the lender’s policy,   which protects the lender until the loan is paid off. The lender only requires the purchase of a lender’s policy,but only the owner’s policy will protect your interests. In Nevada, the buyer will traditionally purchase the insurance for the lender, and the seller will purchase the insurance for the buyer, but this can be negotiated.

When you purchase title insurance, the agent or company will search public records to document thechain of ownership of a property. If any liens ordefects are found, the title company will either cure them before issuing a title policy, or exclude them from coverage.Once the company believes that the property titleis clean, they will issue you and your lender title insurance policies. These insurance policies protect you and your lender financially from any unknown claims or defects existing at the time of purchasee
Title insurance protects against claims from defects.Defects are things such as another person claimingan ownership interest, improperly recorded documents,fraud, forgery, liens, encroachments, easementsand other items that are specified in the insurancepolicy.
What title insurance does not dois protect you against the condition of the home, such as the discovery of termites, radon, mold or anything that happens to the title to the home after the closing date. Any defects created after the issuance of the policy, or defects that you create. Issues arising as the result of failing to pay your mortgage. Issues arising as the result of failing to obey the law or certain covenants. Specific taxes and assessments.
Insurance such as car, life, health, etc., protects against potential future events and is paid for with monthly or annual premiums. A title insurance policy insures against events that occurred in the past of the real estate property and the people who owned it, for a one-time premium paid at the close of the escrow.

When you take out a mortgage to buy a home, your lender is going to require you to purchase title insurance in order to protect their interest. Title insurance protects you and your lender financially from any unknown claims or defects in the title of the property you are buying. Purchasers and lenders need title insurance in order to be insured against various possible title defects. The buyer, seller and lender all benefit from issuance of title insurance

 

After the escrow officer or lender opens the title order, the title agent or attorney begins a titlesearch. A Preliminary Report is issued to the customer for review and approval. All closing documents are recorded upon escrow’s instruction. When recording has been confirmed, demands are paid, funds are disbursed,and the actual title insurance policy is created.
The two basic policy types are 1)the Owner’s Policy which insures the new owner/home buyer, and 2) the lender’s policy insures the priority of the lender’s security interest.

In real estate

Title Insurance is Your Best Bet.

Dollar for dollar, title insurance is the best investment you can make to protect your interest in one of the most valuable assets you own: your home. Title insurance insures a real estate investment, unlocking its potential as a financial asset for the owner. As such, title insurance plays a major role in the confidence that lies at the heart of our nation’s real estate market and economy.

GOT QUESTIONS?