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Title curative services resolve defects or “clouds” on a property title, such as unreleased liens or chain of title gaps, to ensure clear ownership transfer. They are essential for achieving Clear-to-Close (CTC) status and are typically needed for recording errors, ownership disputes, or incorrect legal descriptions.
The timeline ranges from 5–10 business days for simple releases to over 6 weeks for complex legal disputes. FirstPoint Solutions uses dedicated follow-up to ensure the fastest possible resolution.
Lien clearance is the process of identifying and removing outstanding liens to ensure a title is free of legal encumbrances. It is vital because unresolved liens can block mortgage approvals and create financial liabilities for new owners.
Yes. This involves locating lenders, obtaining proper release documentation, and coordinating with county recorders to ensure releases are filed correctly.
This changes the priority order of liens, usually to keep a second mortgage in place during a refinance. It is required for HELOC transactions or when restructuring multiple mortgages.
We perform specialized reviews of divorce decrees and trust documents to verify transfers and obtain necessary signatures. Our team ensures compliance with court orders and resolves conflicting ownership claims.
Services cover initial title examination, curative action planning, document procurement, and recording. We manage communications with all parties, including lenders and attorneys.
Yes, we work with underwriters nationwide to ensure curative work meets their specific standards, ensuring title insurance can be issued.
Providing dedicated title curative for lenders ensures that all underwriting objections are met swiftly, preventing delays in funding and protecting the lender’s lien priority during high-volume refinancing or purchase cycles.