Title Insurance
Title insurance is available to both property owners and lenders. It is purchased at closing and insures against financial loss from title defects, liens, and other problems.  It can protect against a lawsuit or reimburse the insured for any money lost.  We provide title insurance to protect you from potential title issues and is underwritten by WFG National title Insurance Company.

Cooperative Apartment Search
A search is performed against the names of the owners of a particular unit, the cooperative corporation and the purchasers (if any) of the unit for  the  following:

  • Judgments
  • Federal tax liens
  • UCC financing statements at the County level if requested a UCC-Financing Statement search can be performed at the State level.

United American Title Agency provides a variety of title and escrow services for realtors, lenders, and homeowners.  We are continuing to establish new avenues to serve the wide variety of real estate transactions in this growing economy.

We work hard to keep closings as simple as possible and on time. Our team is well versed on the intricacies of the local real estate market. Whether it’s a short sale, a foreclosure, or a residential or commercial property, we are your best resource for getting deals done.

 Last Owner & Lien Search
When provided with the premises location, we will determine the name(s) of the record owner(s), search it to date and ascertain whether any liens exist against the premises and owner(s) for the following:

  • Mortgages
  • UCC financing statements
  • Judgments
  • Federal tax liens
  • Mechanics liens
  • Lis pendens

Post Closing Services:

  • Real Estate Taxes, Water and Sewer Pay-off Services
  • Mortgage Pay-off Services
  • Judgment Pay-off Services
  • Public Record Correction Assistance
  • Prompt, Reliable Recording/Filing
  • Policy Endorsement with Recording Information
  • Escrow Services for Pay-off Related Documents

Deed Transfers
Quitclaim deed: Used when a property transfers ownership without being sold. No money is involved in the transaction, no title search is done to verify ownership, and no title insurance is issued.
Warranty deed: Used in most real estate sales transactions, a warranty deed says that the grantor (previous owner) is the owner of the property and has the right to transfer the property to you. In addition, this deed serves as a statement that there are no liens against the property from a mortgage lender, the Internal Revenue Service or any creditor, and that the property can’t be claimed by anyone else. Title insurance provides the financial back-up to the warranty deed and requires a title search to verify that no other claims on the property are outstanding.
Acris Preparation: The accompanying tax forms for deed transfers

Preliminary Certificate of Title Insurance (Title Reports):

  • Full Abstract
  • Schedule A Legal Description
  • Schedule B, Itemized Exceptions to Title
  • Tax Searches
  • Survey Order, Survey Locate, Survey Inspections
  • Name Searches (judgments and federal tax liens)
  • Mechanics' Liens Searches
  • UCC Financing Statement Searches
  • Bankruptcy Searches (individual and corporate)

Municipal Searches as Required by Lender:

  • Housing and Building Violations Searches
  • Certificate of Occupancy Searches
  • Fire Department Violations Searches
  • Street Searches
  • New York City Municipal Searches (Zoning Lot, Emergency Repair, etc.)
  • Flood Hazard Certification
  • Hazardous Materials Searches