Comprehensive Guide to Title Review and Curative Work for Tennessee Real Estate Transactions
Title review and curative work are important steps in preparing a property for a smooth real estate closing, and they protect buyers and sellers from unexpected claims or defects that can interfere with ownership. At Jay Johnson Law Firm in Hendersonville, Tennessee, this service focuses on identifying problems in a property’s chain of title, liens, encumbrances, boundary issues, and other matters that can affect transferability. The goal is to resolve title defects before closing so ownership can pass cleanly and future disputes are minimized, giving parties greater confidence in the transaction.
When a title company or lender flags an issue, curative work may be needed to clear the defect, which can include preparing deeds, affidavits, releases, or other legal instruments and coordinating with third parties to remove clouds on title. Title review also reveals matters such as easements, unpaid taxes, judgments, or recording errors that could limit use or resale. Early identification and timely legal action help prevent delays in closing and reduce the risk of costly litigation after ownership transfers, allowing real estate deals to progress with clearer expectations.
Why Title Review and Curative Work Matter for Your Real Estate Transaction
A thorough title review provides practical benefits by uncovering issues that may affect property rights and financial risk, and curative work addresses those issues so a clean title can be delivered. By resolving defects before closing, buyers avoid inheriting unexpected obligations and sellers avoid post-closing disputes that can threaten sale proceeds. Effective resolution of title defects also helps lenders feel confident in the collateral securing a loan and often expedites the closing process. Ultimately, these services protect property values and reduce uncertainty in both residential and commercial transactions.
About Jay Johnson Law Firm and Our Approach to Title Matters
Jay Johnson Law Firm serves Hendersonville and surrounding Tennessee communities, assisting clients with real estate matters including title review and curative work. Our approach emphasizes careful document review, clear communication with clients and title companies, and practical solutions for removing title clouds. We coordinate with lenders, sellers, buyers, and third parties to address liens, inaccuracies in public records, and other obstacles to a marketable title. Our focus is on achieving timely resolutions that allow transactions to proceed, while helping clients understand options and potential outcomes throughout the process.
Understanding Title Review and Curative Work in Tennessee
Title review begins with examining the public record and chain of ownership for a property to identify any defects that could interfere with transfer of ownership. This includes reviewing deeds, mortgages, liens, tax records, judgments, easements and restrictions, and recorded or unrecorded documents that affect rights in the land. Curative work is the set of legal steps taken to correct or eliminate a defect, such as drafting corrective deeds, obtaining releases, preparing affidavits to clarify matters of fact, or pursuing quiet title actions when necessary to confirm ownership and clear the record.
Not every title issue requires litigation; many defects can be cured through documentation, negotiation, and recording corrective instruments. The specific pathway depends on the nature of the defect, the willingness of involved parties to cooperate, and the requirements of the title or lending company. Timely legal counsel helps determine whether a simple release or corrective deed will suffice, or whether more formal court action is advisable. The aim is to provide scalable solutions that address the problem efficiently and align with the client’s transaction timeline and objectives.
Defining Title Review and Curative Work for Property Transactions
Title review is the process of examining recorded and available documents to determine who holds legal rights to a property and whether anything interferes with those rights. Curative work describes the remedial actions taken to eliminate clouds on the title, correct recording errors, remove improper liens, or otherwise make the title marketable. These steps may involve negotiations, obtaining releases, preparing corrective instruments, and, where required, filing actions in court. Together they help assure buyers, sellers, and lenders that the property can be transferred with clear ownership and predictable rights.
Key Elements and Typical Processes in Title Curative Matters
Key elements of title review include chain of title analysis, lien and judgment searches, tax and assessment reviews, and checks for easements, covenants, and restrictions. The curative process may include preparing corrective deeds, obtaining affidavits from parties with knowledge, securing lien releases from creditors, negotiating payoff agreements, and filing necessary recorded documents to clear the public record. Communication with title companies, lenders, and other stakeholders is essential to confirm that the proposed curative steps satisfy underwriting requirements and permit the issuance of title insurance or closing of the transaction.
Key Terms and Glossary for Title and Curative Work
Understanding common terms used in title review and curative work helps clients follow the process. Terms such as chain of title, cloud on title, lien, easement, restrictive covenant, quiet title, and release each have specific legal meanings that affect rights and remedies. Becoming familiar with these concepts helps clients make informed choices about resolution strategies, timelines, and potential costs. Clear definitions also enable smoother conversations with lenders and title companies about the actions necessary to deliver an insurable, marketable title at closing.
Chain of Title
Chain of title refers to the recorded sequence of conveyances and documents that show how ownership of a property has passed over time. A complete and clear chain of title is important to prove current ownership and to identify any breaks, gaps, or irregularities that could create a cloud on title. Problems in the chain may result from missed recordings, unclear transfers, or conflicting claims, and resolving those issues can require corrective documents, affidavits explaining circumstances, or legal actions to confirm rightful ownership and correct the public record.
Cloud on Title
A cloud on title is any claim, lien, defect, or recorded instrument that may impair the full and clear ownership of a property, raising uncertainty about the owner’s rights. Clouds can stem from unresolved liens, ambiguous deed language, boundary disputes, or recorded judgments. Curative work focuses on removing these clouds so title companies can provide insurance and transactions can close. The approach may involve obtaining releases, executing corrective deeds, or filing a quiet title action to obtain a judicial determination that clears the record.
Lien
A lien is a legal claim or encumbrance against property to secure payment of a debt or obligation, such as a mortgage, judgment, tax lien, or mechanic’s lien. Liens can limit an owner’s ability to transfer clear title until they are paid, released, or otherwise addressed. Curative work related to liens commonly involves verifying legitimacy, negotiating payoffs, obtaining formal releases, or preparing settlement documents that satisfy the lienholder and permit the lien to be removed from public records prior to closing.
Quiet Title
A quiet title action is a court proceeding used to resolve competing claims and establish clear ownership of real property when other methods of resolution are inadequate. This remedy is appropriate when disputes over title cannot be resolved through negotiated releases or corrective documents, and a final judicial determination is needed to remove competing claims from the public record. While litigation is usually a last resort, a successful quiet title judgment can conclusively remove clouds and permit clear title to be conveyed to buyers and recorded in the chain of title.
Comparing Limited Title Fixes Versus Comprehensive Curative Strategies
When addressing title defects, parties often choose between limited fixes intended to address a narrow problem and more comprehensive curative strategies that look broadly at potential risks. Limited fixes can be faster and less costly when the defect is straightforward, but they may leave related issues unaddressed. A comprehensive approach involves a deeper review of records and potential vulnerabilities, which can reduce the chance of downstream problems but may require more time and coordination. Choosing the right option depends on the nature of the defect, closing timeline, and the client’s tolerance for future risk.
When a Narrow Title Fix May Be Appropriate:
Simple Recording Errors or Omissions
A limited approach may be appropriate when the issue is a straightforward recording error or omission that can be corrected with a single instrument, such as a corrective deed or an affidavit clarifying a clerical mistake. In such cases, the title company or lender will typically accept the corrective document once properly executed and recorded, allowing the transaction to move forward without broader investigation. Prompt, accurate drafting and proper execution help ensure the correction resolves the issue for the current closing and meets underwriting requirements.
Release of an Isolated Lien
When a single recorded lien is the only identified defect and the lienholder is willing to provide a clear release upon payment or settlement, a limited curative approach can resolve the problem efficiently. This often involves coordinating payoff figures, preparing the satisfaction or release instrument, and recording it so the title is free of that specific encumbrance for the closing. The limited remedy is effective when there are no other hidden defects and the parties agree on a prompt resolution path.
When a Broader Curative Strategy Is Advisable:
Multiple or Interrelated Title Defects
A comprehensive approach is often needed when multiple defects appear in the title search, when defects are interconnected, or when the chain of title is unclear across several transfers. In these situations, isolated fixes may not remove all risks, and a more extensive review and coordinated set of curative steps are necessary to provide a reliable, marketable title. This may include contacting multiple parties, tracing prior conveyances, preparing multiple corrective instruments, and ensuring each step satisfies title underwriting standards so the property can be transferred with confidence.
Disputed Ownership or Boundary Questions
Comprehensive service is often required when ownership is disputed, boundary lines are unclear, or prior instruments contain ambiguous or conflicting language that affects rights. These matters may require more than paperwork corrections; resolving them can involve negotiations, surveys, affidavits, and possibly court proceedings to establish or clarify rights. A thorough strategy addresses all potential clouds on title, coordinates with surveyors and other professionals if needed, and aims to prevent future disputes that could impair enjoyment or transferability of the property.
Benefits of Taking a Thorough Curative Approach
Adopting a comprehensive curative approach reduces the chance of encountering unanticipated title defects after closing, improves the likelihood of obtaining title insurance, and protects buyers and lenders from future claims that could affect property rights or value. While it may require more time and coordination upfront, a thorough review can prevent costly disputes and delays later, and it provides greater assurance that ownership rights are properly documented and secure for future sales or financing.
A careful curative process also supports smoother closings by addressing potential lender underwriting concerns and title company requirements in advance. When title issues are managed comprehensively, parties are better positioned to negotiate repairs or adjustments and to close with fewer last-minute surprises. The result is a cleaner record, clearer ownership, and greater peace of mind for clients who need to rely on predictable, marketable title for their real estate plans and investments.
Reduced Risk of Future Claims
A comprehensive curative approach minimizes the risk that unknown or unresolved title defects will surface after closing and lead to disputes or financial loss. By addressing related defects and ensuring that corrective instruments are correctly executed and recorded, the property’s chain of title becomes more defensible. This benefit extends to buyers, sellers, and lenders, who all have an interest in predictable ownership rights and the ability to rely on the public record when making decisions about the property.
Facilitated Financing and Insurance
Comprehensive curative work often enables title insurance companies and lenders to move forward with underwriting by removing uncertainties in the title. When defects are thoroughly addressed and documentation is properly recorded, lenders are more comfortable advancing funds and title companies are more likely to issue policies. This facilitation reduces friction in the closing process and helps parties meet scheduled timelines, which is particularly important when mortgage commitments or buyer deadlines are involved.
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Practical Tips for Title Review and Curative Work
Start Title Review Early
Begin title review as soon as a contract is signed or a deal becomes likely so any defects can be identified early and addressed before closing deadlines pressure the parties. Early review gives time to obtain required releases, prepare corrective instruments, and coordinate with lenders and title companies without rushing, which reduces the likelihood of last-minute delays. Communicating promptly with all stakeholders also helps prioritize actions, obtain necessary documents from third parties, and align schedules so curative work proceeds smoothly toward a timely closing.
Gather Complete Documentation
Coordinate with Lenders and Title Companies
Maintain open lines of communication with lenders and the title company to understand what is needed to satisfy underwriting requirements and to ensure curative steps meet those expectations. Title companies often specify the form of releases or corrective documents they will accept and may identify additional research needed. By aligning curative work with those requirements from the outset, parties can reduce iterations, avoid rework, and get the needed documentation recorded in time for closing, keeping the transaction on schedule and reducing stress for all involved.
Why You Should Consider Title Review and Curative Work
Title review and curative work protect property owners by identifying and resolving issues that could limit use, sale, or financing of real estate. These services uncover liens, encroachments, recording errors, and other defects that may not be obvious from a casual review, and they provide a path to resolution so ownership can be transferred cleanly. Whether buying a new home, selling property, or refinancing, taking proactive legal steps to ensure a transferable title reduces risk and supports smoother transactions with greater certainty for every party.
Engaging in curative work early can prevent post-closing disputes and reduce the chance of future litigation, which often costs more in time and money than addressing defects during the transaction. Clearing title issues also supports obtaining title insurance and lender approval, which are commonly required for closings. For sellers, resolving defects before listing or contracting can increase marketability and reduce the chance of renegotiation; for buyers, it helps ensure full enjoyment and resale potential of the property once ownership is transferred.
Common Situations That Require Title Review and Curative Action
Common circumstances that prompt title review and curative work include discovery of unpaid taxes, recorded or unrecorded liens, discrepancies in chain of title, ambiguous deed descriptions, missing signatures in prior transfers, and conflicting claims from heirs or former owners. Other triggers include boundary disputes revealed by surveys, easements that restrict intended use, or title company exceptions that lenders require cleared. Prompt attention to these scenarios helps preserve transaction timelines and avoids complications that could delay or prevent closing.
Errors in Recorded Documents
Clerical or recording errors, such as misspelled names, incorrect legal descriptions, or omitted signatures, can create defects in the chain of title that hinder transfer of ownership. Resolving these matters often requires corrective deeds, affidavits, or re-recording of documents with accurate information. Taking action to correct the record ensures the public files reflect the true ownership history, which is essential for both the current transaction and for protecting the owner against future challenges to title.
Outstanding Liens or Judgments
Unpaid tax liens, contractor liens, or civil judgments against the property or prior owners can prevent a clean transfer and may need to be satisfied, subordinated, or released before closing. Curative work includes confirming the validity of such claims, negotiating payoffs, obtaining releases, or arranging escrow solutions acceptable to the title company. Addressing liens proactively protects buyers and lenders from inheriting obligations and helps secure a clear path to closing without lingering encumbrances on the record.
Heirship or Inheritance Questions
When property passes through intestate succession or there are questions about heirs, the chain of title may be unclear and may require affidavits, probate resolutions, or court proceedings to confirm ownership. Curative work in these circumstances may involve coordinating with heirs, locating necessary affidavits or releases, and, if appropriate, pursuing a judicial determination to quiet title. Resolving heirship issues before sale protects buyers from future claims and clarifies who has authority to convey the property.
Hendersonville Title Review and Curative Services
Jay Johnson Law Firm provides title review and curative services to clients throughout Hendersonville and surrounding areas in Tennessee, assisting buyers, sellers, and lenders with clear, actionable solutions. Our firm works to identify title defects as early as possible, explain options in plain language, and implement the necessary steps to remove clouds and allow transactions to proceed. We focus on practical outcomes and coordinate with title companies, lenders, and third parties to minimize delay and help clients achieve reliable transfer of property rights.
Why Choose Jay Johnson Law Firm for Title Curative Work
Clients choose Jay Johnson Law Firm for title curative matters because we provide focused attention, clear communication, and practical solutions tailored to the needs of each transaction. We guide clients through the process of identifying defects and pursuing the correct remedial steps, balancing speed and thoroughness to match closing timelines. Our goal is to provide the documentation and coordination title companies and lenders require so closings can proceed with minimal disruption and with confidence in the resulting ownership record.
We emphasize proactive planning, early identification of risks, and collaboration with all parties involved, including title companies, surveyors, and lienholders. By preparing accurate corrective documents and overseeing recording and release procedures, the firm helps eliminate recurring issues and reduces post-closing surprises. Our practical approach helps clients understand costs, timelines, and reasonable expectations for resolution, making the curative process more predictable and manageable during often time-sensitive real estate transactions.
Whether you are buying your first home, selling investment property, or refinancing, Jay Johnson Law Firm aims to simplify the legal aspects of clearing title. We prioritize clear instructions, timely follow-up, and documentation that addresses the requirements of underwriters and lenders. Our service is designed to provide clients with the support they need to achieve a marketable title and close their transactions with confidence, while avoiding surprises that could otherwise delay or jeopardize the deal.
Contact Jay Johnson Law Firm to Review Title Issues Today
How We Handle Title Review and Curative Work at Our Firm
Our process begins with an initial consultation to review the commitment or title search and identify any exceptions or defects noted by the title company or lender. We then perform targeted research into the chain of title, lien records, and other relevant files to confirm the scope of the issue. After identifying possible resolutions, we propose a plan that considers timing, costs, and the needs of the parties, then execute the curative steps and confirm recording and releases so the title can be delivered at closing.
Step One: Title Examination and Issue Identification
The first step focuses on a detailed review of the title commitment and public records to identify defects, liens, easements, and exceptions that could affect ownership or financing. This review includes cross-checking deed histories, judgments, tax records, and other instruments to build a complete picture of potential obstacles. Clear documentation of findings and recommended remedies allows clients to make informed decisions and sets the stage for efficient curative work that aligns with closing schedules and underwriting requirements.
Review of Recorded Documents
We examine deeds, mortgages, liens, and recorded instruments spanning the chain of title for the property, looking for inconsistencies, missing elements, or items that could raise exceptions for title insurance. Where records indicate potential problems, we trace the history of recordings and prepare a summary that explains the issue and the likely methods to cure it. This document provides the foundation for communications with title companies, lenders, and any third parties whose cooperation may be needed to clear the matter.
Communications with Stakeholders
Early communication with the title company, lender, and relevant third parties such as lienholders or prior owners is essential to determine acceptable remedies and to request any missing releases or documentation. We work to obtain payoff figures, release forms, and cooperation agreements where needed, and to clarify what the title company will accept to underwrite coverage. Clear coordination at this stage reduces the risk of repeated requests or delays and helps ensure curative steps meet the expectations of all stakeholders.
Step Two: Curative Strategy and Document Preparation
After identifying defects and confirming requirements with stakeholders, we develop a curative strategy tailored to the transaction. This may include drafting corrective deeds, affidavits, releases, or settlement agreements, and negotiating with lienholders or third parties as necessary. Document drafting emphasizes accuracy and proper execution to ensure recording offices will accept instruments and that title companies will recognize the curative steps. Our preparation is designed to meet underwriting standards while addressing client timelines and budget considerations.
Drafting Corrective Instruments
Drafting corrective deeds, affidavits, satisfactions, and releases requires precise language to correct the public record without introducing new ambiguity. We prepare documents that state the facts and record the necessary corrective action, ensuring they comply with Tennessee recording requirements. Proper signatures, notarization, and acknowledgment help expedite recording and acceptance by title companies. Attention to these drafting details minimizes the chance that curative instruments will be rejected or require revision after submission.
Negotiation and Resolution with Claimants
When third-party claims or liens require negotiation, we communicate with claimants to obtain releases or settlement agreements that can be recorded. This process may involve negotiating payoffs, lien subordination, or structured releases that satisfy both the claimant and the title company. Clear documentation of negotiated terms and timely recording of releases are essential for removing encumbrances and ensuring the title is marketable, supporting a smooth closing process and preventing unexpected claims after transfer.
Step Three: Recording and Closing Coordination
Once curative documents are executed, we oversee recording and confirm that all releases and corrections are properly entered in the public record. Coordination with the title company ensures that the updated records satisfy underwriting requirements and that title insurance can be issued if needed. We also assist with closing logistics, ensuring necessary documents are in place and that any last-minute issues are addressed promptly. Post-closing follow-up includes verifying filings and providing clients with documentation that confirms the corrective actions taken.
Confirming Record Updates
After recording curative instruments, we verify that county records reflect the changes and that liens or clouds have been removed as expected. This confirmation step ensures the public record supports a clean transfer of ownership and helps prevent surprises that might arise if a document fails to record properly. We also obtain copies of recorded instruments for client files and provide a summary of completed actions so clients have a clear record of the curative work performed in connection with their transaction.
Finalizing Title and Closing Support
In the final phase we work with the title company and parties to confirm that the title commitment exceptions have been cleared or appropriately addressed and that any required title insurance can be issued. We support closing by providing executed documents, coordinating signatures, and addressing any last-minute questions to reduce delays. After the transaction, we remain available to assist with follow-up matters or to provide guidance should additional record corrections or clarifications become necessary.
Frequently Asked Questions About Title Review and Curative Work
What is a title commitment and why does it matter?
A title commitment is a preliminary report from a title company that outlines the current condition of the title and lists exceptions or defects that must be resolved before issuing title insurance. It shows the proposed insured parties, the legal description, and specific exceptions that explain what the title company will not insure unless cleared. Understanding the commitment is fundamental because it identifies the exact items that must be addressed to deliver a marketable title at closing.Reviewing the title commitment early helps parties plan curative work and estimate potential costs or delays. The commitment guides the legal approach to curing defects and informs discussions with lenders and title companies about acceptable resolutions, enabling coordinated steps that help the transaction proceed with a clearer path to closing and the ability to obtain title insurance.
How long does curative work typically take?
The timeframe for curative work varies widely depending on the nature and complexity of the defect, the responsiveness of third parties, and whether litigation is required. Simple recording corrections or single lien releases may be completed in a few days to a few weeks if all parties cooperate and county recording schedules allow. More complex matters that involve tracing chain of title or negotiating with multiple claimants can take several weeks or months depending on the circumstances.Factors that affect timing include the speed of lienholder responses, the need for surveyors, and county recording processes. Early engagement and clear documentation help expedite the process, and we strive to provide realistic timelines and keep clients informed as curative tasks progress toward completion.
Will curative work always require court action?
Curative work does not always require court action; many defects can be cured through corrective documents, releases, or affidavits that are acceptable to the title company. Parties often resolve issues by obtaining a payoff and release from a lienholder, executing a corrective deed, or filing a notarized affidavit that clarifies ownership or transaction history. These nonlitigious solutions are faster and less costly when they are feasible and accepted by underwriters.When no negotiated or documentary remedy will suffice to clear competing claims or ambiguous ownership, a quiet title or other judicial action may be necessary to obtain a definitive legal resolution. Litigation is usually a last resort and is pursued only when other practical steps cannot resolve the title problem in a way that satisfies stakeholders.
Can curative work affect my closing timeline?
Yes, curative work can affect the closing timeline, particularly when title defects are discovered close to the scheduled closing date. Addressing issues early helps minimize the risk of postponement, but last-minute findings may require extensions while releases are obtained or corrective documents are prepared and recorded. Clear communication and early action are the best ways to keep a transaction on track and to reduce the need for rescheduling.To limit delays, we advise clients to provide relevant documents promptly and to authorize necessary communications with title companies, lenders, and other parties. When time is short, targeted strategies such as escrow agreements or conditional closings may be explored to allow the transaction to proceed while curative items are completed.
What costs are associated with clearing title defects?
Costs for clearing title defects depend on the type and complexity of the issue, the number of parties involved, and whether negotiated payoffs or court proceedings are required. Routine curative tasks like drafting corrective deeds and obtaining releases typically involve legal fees and recording costs. If third-party payoffs are necessary, those amounts are additional and may be borne by the buyer, seller, or as negotiated in the purchase contract.When litigation is needed, costs will rise due to court fees, filings, and the additional time required to obtain judicial relief. We provide cost estimates and discuss budget considerations upfront so clients can weigh options and choose a practical path that addresses the defect while considering financial implications.
How does title insurance relate to curative work?
Title insurance protects buyers and lenders against certain undiscovered title defects, but title companies will often require specific defects to be cleared before issuing a policy. Curative work is the process of addressing those exceptions so that the title company can remove them from the commitment and issue the necessary coverage. Clearing exceptions increases confidence in the title policy and reduces the likelihood that claims will arise later related to the identified matters.If a title issue cannot be fully cured, a title company may issue a policy with specific exceptions remaining, or it may require endorsements designed to address particular risks. Understanding what the title insurer requires is a key part of determining the appropriate curative steps to achieve the desired protection at closing.
What happens if an heir or missing signature is discovered?
If an heir or missing signature is discovered, the appropriate curative steps depend on the facts and the effect on the chain of title. Often this will involve obtaining releases from heirs, preparing affidavits of heirship, or, when heirs cannot be located or disputes exist, pursuing a judicial proceeding to establish clear title. The presence of heirs or missing signatures can complicate a transaction and usually requires careful handling to ensure that transfers are legally effective.Early detection and outreach to potential heirs, when feasible, can often resolve the matter through agreement and recorded releases. If parties are not cooperative or the matter is contested, court intervention may be necessary to achieve a definitive resolution and enable the transaction to proceed with a clear record of ownership.
Do lenders require curative work before funding?
Lenders commonly require that title defects affecting their security interest be resolved before funding a loan, because unresolved defects can undermine the collateral that secures the mortgage. Title companies typically identify these defects in the commitment, and lenders then require payoffs, subordinations, releases, or other curative measures that eliminate the lender’s risk. Satisfying lender requirements is therefore an important part of the curative process when financing is involved.Coordination among counsel, the title company, and the lender helps determine acceptable resolutions and timelines. Addressing lender concerns early reduces the chance of funding delays and helps ensure that both the buyer’s financing and the title insurance can be completed in concert for a timely closing.
Can I sell a property with a known title defect?
Selling a property with a known title defect is possible, but it typically requires disclosure and agreement on how the defect will be handled. Some buyers may accept the property at a reduced price or with an escrow holdback to address the defect after closing, while others will require that the issue be cured prior to purchase. The feasibility depends on the defect’s severity, market conditions, and willingness of parties to negotiate terms that allocate responsibility for resolution.Many sellers choose to address defects before listing to maximize marketability and avoid renegotiation or failed closings. Clearing title issues in advance builds buyer confidence and often results in smoother sales and better transaction terms, particularly where financing or title insurance is involved.
How do I start the process with Jay Johnson Law Firm?
To begin the process with Jay Johnson Law Firm, contact our office in Hendersonville to schedule an initial consultation and provide the title commitment, contract, and any relevant documents. During the consultation we will review the title exceptions, explain potential curative steps, and outline a proposed plan and estimated timeline. Early engagement helps us identify priorities and begin the necessary communications with the title company and any other parties involved.You can reach Jay Johnson Law Firm by phone at 731-206-9700 to discuss your situation, request an appointment, or ask preliminary questions. We will work to provide clear guidance on next steps, expected costs, and the actions needed to clear title issues so your transaction can proceed with greater certainty.