Our Settlement Services Affiliate

Why Do I Need Title Services?

Peace of Mind

For most people, purchasing a home is the biggest financial investment they will ever make. The closing coordinators at our settlement services affiliate are experts in providing exceptional service to help your real estate transaction close smoothly. Since there is a settlement services affiliate office convienently located in the same building with every Prudential Homesale office, they are able to work closely with your Prudential Homesale Real Estate Professional to answer any questions or resolve any last-minute details. Our settlement services affiliate provides exceptional customer service before, during and after your settlement.

Recognized Industry Leader

Our settlement services affiliate coordinates residential and commercial real estate settlements and comprises one of the largest and most successful title agency operations in the industry. Our settlement services affiliate is ranked by REALTrends Magazine as the 11^th largest in the nation among realty-affiliated title companies and ranked 6 years running by Central Penn Business Journal as 1^st in number of closed units in the areas we serve.

We're On The Same Team

As part of the Homesale family, our settlement services affiliate has a close working relationship with your real estate Agent. They are familiar with the titles to your neighborhood, particularly the developments represented by our New Homes Division. Should there be any last-minute issues at settlement, they are available to resolve them.

How You Are Protected

Our settlement services affiliates are licensed Title Agents appointed to write policies for several major national underwriters. The dedicated team of professionals, which includes three in-house attorneys, provides the foundation for achieving excellence in the delivery of services to you. For your added protection, they are bonded and carry insurance six times greater than required by law.

Lowest Rates Permissible by Law

One of the most important decisions in your purchase is your choice of a settlement company and title insurance agency. Rest assured that settling with them will be a friendly and professional experience at the lowest rates permissible by law. Try them and see!

What will the Settlement Services Affiliate do for me?

• They will perform the title search and examination that will provide the basis for the title insurance policies issued to you and your lender.
• They will serve as the liaison to all parties, including your mortgage lender, real estate agent, municipal authorities, tax collectors and everyone else who may be involved in your important purchase.
• They will provide escrow services and prepare the Settlement Statement of your actual closing cost. They receive deposits and distribute payments so that you can be sure all financial matters are handled by a bonded and experienced company.
• A Settlement Officer will conduct the closing, which usually takes less than an hour. There, the Sellers will sign the deed and other papers necessary to convey title. The Buyers will sign their mortgage papers and other necessary documents and will pay their closing costs and the balance of any down payment due.
• The title insurance premium is paid at closing. This one-time fee will provide protection to you for as long as you or your heirs own the property.
• After settlement, they will record your new deed in the Courthouse, disburse all funds and relevant documentation to the proper parties and issue your new Title Insurance Policy.

Experience, Professionalism, Superior Customer Service

Experienced and bonded personnel handle every transaction. The Managing Director for Title Operations is a Certified Land Title Professional and past president of both the Lancaster Land and Pennsylvania Land Title Associations. The President of Title Operations is an attorney specializing in residential and commercial real estate law, which includes matters ranging from legal analysis to your real estate settlement.

• They have thousands of satisfied customers and years of serving Pennsylvania real estate markets. The professional, experienced and talented staff is committed to speed, accuracy and exceptional customer service. Try them!
• Settlements to be scheduled at your convenience, at the office of your Realtor or builder, even after hours or on weekends.
• Computer-generated settlement statements and documents for speed, accuracy and flexibility.
• Familiarity with all area lenders and mortgage brokers, local taxing authorities and other settlement service providers.
• All-inclusive rates that include all costs for the title search and examination, settlement services and your Owners' and Mortgagee title policies.
• Broad Errors and Omissions coverage for your protection.
• Timely issuance of title insurance commitments and policies.
• Electronic Recording of Documents 

What is Title Insurance?

Title insurance is an insurance policy that protects your legal rights to own, possess, use, control and dispose of real estate. It is issued only after a complete and thorough title search is performed. A title search is a comprehensive search of the public records. However, substantial defects may not be discovered. Examples of historical "hidden defects" include:

• Mistakes in recording of legal documents
• Forged deeds or other settlement documents
• Undisclosed or missing heirs, including spouses
• Deeds executed by persons of unsound mind or executed with an invalid or expired power of attorney
• Liens for unpaid taxes
• Fraud

An Owner's Policy of Title Insurance is a contract that protects you against the loss or damage due to title defects. For a one-time premium paid at settlement, title insurance protects you against future losses arising out of events that may have happened in the past. As a leading provider of title insurance and settlement services, our settlement services affiliate also offers an Enhanced Owner's Policy of Title Insurance that provides more coverage to you as a homeowner at very little additional cost. This policy offers additional protection not found in the standard Owner's Policy and expands your coverage by providing more protection into the future. Your coverage automatically increases as the value of your home increases and includes, to name a few, building permit violations, subdivision coverage, violation of restrictions on your land, encroachment coverage and post-policy forgery protection. Our settlement services affiliate's title insurance fees are the lowest permissible by law.

Questions?

For more Information about title insurance or settlement services, contact our settlement services affiliate: Lancaster County 717-293-9760 Dauphin, Cumberland, Lebanon Counties 717-671-9876 York and Adams Counties 717-757-3965 Berks, Schuylkill, Chester, Montgomery Counties 610-372-2887. To contact them regarding Settlement Services, click here.

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