First Integrity Title works closely with lenders and their customers to coordinate all title aspects regarding the closing and funding process.
Title insurance follows the assignment of the mortgage loan, meaning that the policy benefits the purchaser of the loan if the loan is sold. For this reason, these policies greatly facilitate the sale of mortgages into the secondary market. The secondary mortgage market is high volume purchasers like Fannie Mae and Federal Home Loan Mortgage Corporation including private institutions as well.
First Integritty Title has forms that are used throughout the state of Florida and sometimes modified for different areas. Basic elements of insurance they provide to the lender that cover losses from the following matters include:
The title to the property on which the mortgage is being made is either, not in the mortgage loan borrower, subject to defects, liens or encumbrances, or unmarketable. If there is no right of access to the land. The lien created by the mortgage is invalid or unenforceable, is not prior to any other lien existing on the property on the date the policy is written, or is subject to mechanic's liens under certain circumstances. Policy ALTA forms also includes the coverage cost of defending insured matters against attack. All of the policies except or exclude certain matters and are subject to various conditions.
There are also ALTA mortgage policies covering single or one-to-four family housing mortgages. These cover the elements of loss listed above plus others.
You enjoy the sale, let us handle the closing details!
First Integrity Title will provide title insurance policies and related real estate transaction and mortgage lending products and services to individual consumers, mortgage lenders, businesses and government agencies.
Our products and services protect your customers from financial loss and hardship related to unknown judgments and liens, forged transfers, inconsistencies within a property's title or misapplication of fiduciary funds. As most of us are aware the recent changes in the Florida real estate market include some complicated situations.
With First Integrity Title you can rest assured we are experienced and we will provide unmatched service for you and your clients. It is important that the transactions take place with a smooth process and ethical standards. We have been servicing real estate and the mortgage industry for years in Naples and we maintain solid reputation for accuracy and quality service.
Why First Integrity Title?
We are Experienced
We are Dedicated to providing great services
We have a convenient location on Tamiami Trail and Park Shore Drive
We make your clients comfortable and ensure a smooth closing process
Commission Documents
Listing Commission DocumentProtect one of the most important investments you'll ever make . . . The investment in your home.
A title is a document that gives evidence of your ownership of property. Title insurance is the policy, usually issued by a title insurance company, that insures you against defects in or claims against your title. This search is an examination of municipal records to determine the legal ownership of the property, and is performed here at First Integrity Tile located in Naples, Florida.
The cost of your title insurance policy is usually a function of the value of the property. Your lender or closing agent will secure title insurance for the property.
Closing on your home, commercial property or land
We help you with this important step. When setting the day of your closing, be sure it falls within your lender's commitment period, so your interest rate lock-in, if there is one, remains valid.
It is the proverbial "signing on the dotted line" the process of which will:
Put the title to the house in your name
Verify homeowners' insurance on the property
Commit in writing to the terms of the mortgage
In most cases, put the keys to the house in your hands
In general, you will leave the closing and go to your new home as a homeowner. The weeks and months of anticipation are all settled in the short amount of time that you spend at the closing. Closing procedures will vary based on a variety of conditions
What to expect at closing
In some cases, the buyers and sellers (as well as their Real Estate Agents) will all attend the closing. However, in most situations, only the buyers will be present. The closing will take place at the office of First Integerity Title, Naples (again, there is some variance here based on your particular situation).
In general, though, the closing will be attended by all of the buyers involved and the Closing Agent, who has reviewed all of the components of the house sale and who is the one who will say "sign here" more times than you have ever heard in your life!
We facilitate both simple and complex residential, commercial and industrial real estate transactions.
As an experienced team servicing Collier County and the state of Florida for international residents for many years.
Our professionals are well experienced in property ownership and conveyancing practices. Our people understand southwest Florida local customs, and we have established great relationships in major markets where our customers do business. We have the experience to simplify the difficult, complex and often confusing real estate transactions so you do not have to worry about proper procedures being followed.
This is achieved not just by our title insurance experience itself, but also by our incorporation as an integral part to the overall state of Florida real estate process. Hence, providing enhanced security and peace of mind with our title insurance coverages.
It is our mission to keep you informed and to protect all our clients with the proper title insurance nescessary.
We offer this service for both residential and commercial properties located in the state of Florida for residents outside the country, i.e. our International Title Insurance Policies are designed to provide needed title coverages for citizens of one country purchasing or lending on real estate in the state of Florida.
The policies afford property owners and lenders essentially the same superb protection as a standard policy in the United States as if you live here.