Comprehensive Guide to Title Review and Curative Work for Jellico Property Transactions
Buying or selling real estate in Jellico often requires careful review of title records to confirm ownership, identify encumbrances, and ensure a clean transfer. Title review is the process of examining deeds, mortgages, liens, easements, and public records to reveal issues that could affect marketable title. Curative work addresses defects found during that review, such as correcting legal descriptions, resolving outstanding liens, or clarifying ownership claims. This process helps reduce the risk of disputes after closing and supports smoother transactions for sellers, buyers, lenders, and trustees involved in Tennessee real estate matters.
For many property transactions, early identification of title defects prevents costly delays at closing. A thorough title review uncovers matters like unpaid taxes, unreleased mortgages, probate claims, or recording errors that require attention. Curative work coordinates with county offices, lienholders, and possibly heirs to clear those matters before ownership transfers. In Jellico and across Campbell County, proactive title review coupled with targeted curative actions can preserve the value of real property and provide confidence to all parties moving forward with purchase, sale, or refinancing transactions.
Why Title Review and Curative Work Matters for Your Property
Title review and curative work protect buyers and sellers by confirming who has legal claim to a property and by remedying issues that could cloud that claim. Clearing title concerns reduces the likelihood of ownership disputes, unexpected financial obligations, and delays in closing or refinancing. For lenders and trustees, a clear title minimizes risk and supports financing decisions. Completing curative steps early in the transaction process preserves marketability and can prevent future litigation. Overall, these services support predictable closings and help maintain value and peace of mind for property owners in Jellico and surrounding areas.
About Jay Johnson Law Firm and Our Approach to Title Issues
Jay Johnson Law Firm assists property owners and real estate professionals in Jellico and throughout Tennessee with title review and curative work. The firm focuses on practical, locally informed solutions that address recording issues, lien resolution, probate-related title problems, and corrective deeds. Our team works directly with county registries, lenders, title companies, and other parties to reach timely resolutions. We emphasize clear communication and thorough documentation so transactions can proceed with confidence, whether the matter involves residential purchases, commercial transfers, or estate-related conveyances.
Understanding Title Review and Curative Work for Real Estate Transactions
Title review begins with a careful examination of public records and chain of title documents to confirm ownership and reveal any encumbrances or defects. That review includes deeds, mortgages, tax records, easements, judgments, and other recorded matters that affect a property. When issues are discovered, curative work refers to the actions taken to correct or mitigate those defects so the title is marketable and insurable. These actions can involve preparing corrective deeds, releasing liens, obtaining affidavits, filing quiet title actions, or coordinating lien satisfactions and recording corrections with county offices.
Curative work often requires gathering documentation, communicating with lienholders or heirs, and following procedural steps in local recording offices. For properties with probate-related gaps, resolving ownership may involve working through estate administration or obtaining court orders. In other situations, curative steps resolve clerical errors, ambiguous legal descriptions, or missing releases of mortgage. The objective is to produce a clear chain of title that supports transfers, refinancing, or other uses of the property without future dispute or encumbrance concerns.
Defining Title Review and Curative Actions
Title review is the investigative phase where recorded documents and public records are analyzed to detect issues affecting ownership. Curative actions are the follow-up steps taken to remedy those issues so the property can be transferred or encumbered with confidence. Curative actions vary by situation and may include preparing and recording corrective instruments, obtaining lien releases, coordinating satisfactions of judgment, or seeking court intervention. Together, review and curative efforts aim to ensure clear, marketable title that can be insured and relied upon by buyers, sellers, and lenders in Tennessee real estate transactions.
Core Elements and Typical Curative Processes
Key elements of the title review process include chain of title analysis, lien and judgment searches, assessment of easements and encumbrances, and verification of proper recording. Typical curative processes might involve drafting corrective deeds, obtaining affidavits from parties with knowledge of the transaction, facilitating lien satisfactions, and coordinating with the county register of deeds to correct recording errors. When necessary, curative work can include quiet title actions or probate administration to resolve competing claims. These steps are tailored to the document findings and the needs of the transaction to restore marketability.
Key Terms and Glossary for Title Review and Curative Work
Understanding the common terms related to title review helps property owners and professionals communicate clearly about issues and solutions. This glossary covers concepts like cloud on title, lien, quiet title action, corrective deed, chain of title, easement, and lien satisfaction. Familiarity with these terms helps frame expectations for timeline and cost when curative work is required. We provide plain-language explanations so clients in Jellico and across Campbell County can make informed decisions about how to proceed when records reveal matters that must be corrected before a property can change hands or be refinanced.
Cloud on Title
A cloud on title refers to any claim, lien, or irregularity that raises doubt about an owner’s clear right to convey a property. Clouds can arise from unpaid liens, ambiguous deeds, disputed boundaries, or unresolved probate matters. Identifying a cloud through title review triggers curative measures to resolve the uncertainty, which may involve clearing liens, correcting recording errors, or securing court orders. Removing a cloud restores confidence for buyers, sellers, and lenders by establishing a clear chain of title suitable for transfer and insurance.
Corrective Deed
A corrective deed is a recorded document prepared to fix an error in a previously recorded deed, such as an incorrect legal description, misspelled name, or other clerical mistake. Recording a corrective deed clarifies the public record and helps eliminate discrepancies that could otherwise impede a sale or refinance. Properly prepared corrective deeds reference the original instrument and specify the corrections, then are recorded with the county register to update the chain of title and reduce the risk of future disputes over ownership or boundaries.
Quiet Title Action
A quiet title action is a court proceeding used to establish or confirm ownership and remove competing claims against property. This remedy becomes necessary when conflicting claims, unresolved heirs, or other adverse assertions cannot be resolved through negotiation or documentation alone. The court clarifies rights, issues necessary orders, and helps clear the public record so the title is marketable. Quiet title actions are often used as a last resort when other curative steps cannot remedy a cloud on title through voluntary resolution.
Lien Satisfaction
Lien satisfaction refers to the formal release of a claim or encumbrance recorded against a property, typically after a debt, tax obligation, or judgment is paid. A satisfaction document is recorded with the county to show the lien is resolved. Ensuring lien satisfactions are properly recorded is a common curative step; it removes impediments to transfer and supports clear title. Proper documentation and recording make sure future buyers and lenders rely on an accurate chain of title without unseen obligations.
Comparing Limited Title Services and Comprehensive Curative Work
When addressing title matters, parties can choose limited services, such as a basic title search and issuance of a report, or pursue comprehensive curative work that resolves identified defects. Limited services may be suitable for straightforward transactions with no recorded issues, while comprehensive curative work is appropriate when records show liens, probate gaps, or recording errors. Comprehensive approaches involve drafting and recording instruments, communicating with claimants, and, if necessary, initiating court actions to establish clear ownership. Choosing the right path depends on the findings from the initial review and the needs of the transaction.
When a Limited Title Review May Be Enough:
Transactions with Clean Public Records
A limited review can be appropriate when public records show a consistent chain of title devoid of liens, judgments, unpaid taxes, or conflicting deeds. For many routine residential purchases where prior transfers were properly recorded and no encumbrances appear, a straightforward title search and insurance commitment may suffice. In such situations, the minimal review confirms that no action is needed to proceed to closing, thereby saving time and expense. Buyers and lenders still receive assurance through a title commitment and standard due diligence before finalizing the transaction.
Simple Refinances or Transfers Among Family
When a property transfer occurs between closely related parties and the chain of title is consistent and uncontested, limited review and documentation may be adequate. Similarly, refinances where prior mortgage releases and lien satisfactions are recorded and verifiable often require less curative work. Even in these cases, confirming recorded releases and ensuring that no outstanding obligations remain is important. The goal is to confirm the status of title so lenders, transferees, and trustees can proceed with confidence without unnecessary additional steps.
Why Comprehensive Curative Work May Be Necessary:
Complex Property Histories or Unrecorded Interests
Comprehensive curative work is often required when title searches reveal complex histories, such as multiple transfers, missing releases, ambiguous descriptions, or potential claims from unknown heirs. Unrecorded interests, such as verbal agreements or unclear succession issues, can complicate ownership and demand more than a surface-level review. Addressing these matters may require preparing corrective instruments, coordinating with multiple parties, or pursuing court remedies to definitively clear the title for sale or financing and to protect future owners from unexpected disputes.
Recorded Defects and Competing Claims
When recorded defects like unreleased liens, judgment liens, or conflicting deeds appear, comprehensive work resolves these recorded impediments so the title is marketable. Competing claims, such as those arising from probate gaps or unclear beneficiary transfers, often require more formal remedies including negotiated releases or court confirmation. Those steps ensure the public record accurately reflects ownership and remove the risk of future claims against the property, which is particularly important for sales, refinancing, and estate planning purposes.
Benefits of Taking a Comprehensive Approach to Title Curative Work
A comprehensive curative approach reduces the likelihood of post-closing disputes by addressing issues before they interfere with ownership rights. Clearing recorded clouds and resolving competing claims enhances the property’s marketability and can improve financing options. It also protects beneficiaries and heirs in estate-related transfers by ensuring that the chain of title is documented and defensible. Comprehensive work may require additional time and coordination upfront, but it often prevents the greater time, expense, and uncertainty associated with resolving title disputes after a transaction is complete.
Taking a broad, preventive approach to title problems improves transparency for buyers, sellers, and lenders. When curative steps are completed and properly recorded, title insurance commitments are easier to obtain and rely on. That clarity supports smoother closings and reduces the potential for claims against prior owners or trustees. Comprehensive solutions also help preserve property value and offer peace of mind to property owners in Jellico, Campbell County, and across Tennessee by creating a stable foundation for future transfers or estate administration.
Reduced Risk of Future Title Disputes
Resolving title issues before closing minimizes the chance that a buyer or lender will later face claims against the property. This preemptive work often involves recording corrective instruments, obtaining lien releases, and addressing probate-related matters so the chain of title is clear. By dealing with these issues upfront, parties avoid the disruption and potential legal costs of post-closing disputes. The result is greater transaction certainty and a more secure record of ownership for all involved in the real estate transfer.
Stronger Borrowing and Sale Outcomes
Lenders and purchasers are more comfortable moving forward when title is marketable and insurable, which can lead to smoother loan approvals and cleaner sales processes. Clearing defects enhances the likelihood that financing will be approved on favorable terms and reduces the potential for last-minute hold-ups. For sellers, addressing title matters in advance can speed closings and reduce the possibility of renegotiation. Comprehensive curative work creates confidence for all parties and supports predictable outcomes in real estate transactions.
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Practical Tips for Title Review and Curative Work
Start Title Review Early
Initiating a title review at the earliest stages of a real estate transaction helps identify potential issues that could delay closing. Early review allows time for curative steps such as locating missing documents, coordinating lien releases, and preparing corrective instruments as needed. Starting early also gives parties the opportunity to budget for any additional work and to align expectations about timelines. Proactive scheduling reduces pressure on the closing date and increases the likelihood of a smooth transfer with clear recorded title.
Gather Complete Documentation
Communicate with Lenders and Title Companies
Keeping lenders, title companies, and other stakeholders informed during the curative process helps coordinate necessary releases and recordings. Timely communication ensures that all parties understand the steps being taken and the anticipated timeline for resolving defects. When title companies and lenders are looped in early, they can provide input on acceptable documentation and may facilitate faster satisfaction of liens or endorsements. Open communication reduces surprises at closing and supports a cooperative path to clear title for the transaction.
Reasons to Consider Title Review and Curative Work for Your Transaction
Title review and curative work protect your investment by uncovering recorded issues that could otherwise impair ownership rights or complicate transfers. Whether you are buying, selling, or refinancing, identifying and resolving encumbrances, recording errors, or probate-related gaps ahead of closing reduces the chance of disputes. This service also helps ensure that title insurance commitments are reliable and that lenders can proceed without unexpected hurdles. For property owners in Jellico and Campbell County, these steps add predictability to real estate transactions and safeguard long-term value.
Another important reason to pursue curative work is to prevent delays during closing that can lead to increased costs or collapsed deals. Addressing title matters early preserves negotiating leverage and prevents last-minute renegotiation. Curative work also clarifies responsibilities for payoffs and releases, helping sellers and trustees close estates smoothly. Ultimately, these proactive measures reduce stress for all parties and support reliable outcomes for residential and commercial transactions alike across Tennessee communities.
Common Situations That Require Title Curative Work
Typical circumstances prompting curative work include unresolved mortgage releases, unpaid tax liens, judgment liens, ambiguous or incorrect legal descriptions, missing probate actions, and claims by heirs or prior owners. Recording mistakes or discrepancies in names and property descriptions are also frequent triggers. When any of these issues appear during a title search, curative steps become necessary to restore a clear chain of title. Addressing these matters before transfer reduces legal risk and facilitates smoother closings for buyers, sellers, and lenders.
Unreleased Mortgages or Liens
Unreleased mortgages and liens are common and can prevent clean transfer of title. They may occur when satisfactions were not properly recorded or when lenders fail to document payoffs. Resolving these matters often requires locating payoff documentation, requesting formal releases from lienholders, and recording satisfaction instruments with the county. Ensuring those releases are properly recorded removes impediments to sale and reassures buyers and lenders that the property is free from prior encumbrances.
Probate Gaps and Heirship Issues
Probate gaps or unclear heirship can create competing claims to title when property transfers following a death. In such situations, establishing legal ownership may require probate administration, affidavits of heirship, or court filings to confirm rights. Curative work addresses these succession-related defects by reconstructing the ownership history, obtaining necessary releases from heirs, and, if needed, pursuing judicial resolution to quiet title. Resolving these matters allows clear transfer of property and prevents future disputes among successors.
Recording Errors and Description Discrepancies
Clerical errors in recorded documents, such as misspelled names or inaccurate legal descriptions, can cloud title and complicate closings. Curative work in these cases involves preparing corrective deeds or affidavits, verifying proper legal descriptions, and coordinating with the register of deeds for accurate recording. Correcting these mistakes in the public record restores consistency in the chain of title and reduces the risk of boundary disputes or ownership challenges later on.
Jellico Title Review and Curative Services at Jay Johnson Law Firm
Jay Johnson Law Firm provides practical title review and curative services for property owners, buyers, sellers, and lenders in Jellico and Campbell County. We help identify recorded issues, prepare corrective documentation, coordinate lien satisfactions, and, when necessary, pursue court remedies to resolve disputes. Our approach emphasizes clear communication and local knowledge of Tennessee recording practices and county procedures. Clients can expect timely updates and a focus on resolving title matters so transactions proceed with confidence and clear recorded title is achieved.
Why Choose Jay Johnson Law Firm for Title Curative Work
Choosing legal representation for title review means selecting a team that understands local recording practices, common regional issues, and how to work effectively with county registries, lenders, and title companies. Jay Johnson Law Firm brings experience in preparing corrective documents, negotiating releases, and coordinating with stakeholders to clear recorded impediments. That familiarity with Tennessee procedures helps streamline curative steps and reduces the likelihood of delay at closing, supporting better outcomes for all parties involved in the property transaction.
Our firm focuses on clear, practical solutions tailored to the specifics of each title matter. We compile and review the necessary documentation, communicate with lienholders and registries, and recommend the most efficient path to clear title. Whether the issue involves simple clerical corrections or more complex probate-related claims, we aim to resolve matters in a timely manner that aligns with your closing timeline. Our priority is helping clients navigate the process with clarity and confidence.
Clients benefit from coordinated efforts that reduce the risk of post-closing disputes and ensure that title commitments are reliable for lenders and purchasers. Jay Johnson Law Firm helps manage expectations, outlines the required steps, and works to have corrective instruments properly recorded. For property owners in Jellico, Campbell County, and across Tennessee, that practical focus on clear, recorded title supports secure transfers and more predictable transaction results.
Ready to Resolve Title Issues? Contact Our Jellico Team
How We Handle Title Review and Curative Work at Our Firm
Our process begins with a detailed review of recorded instruments and a search for any liens or defects that could affect conveyance. We then outline recommended curative steps, prepare necessary documentation, and coordinate with registries, lienholders, and other parties. When negotiations are needed for releases or settlements, we handle communications and follow through on recording the final instruments. Throughout the process, we provide regular updates and prioritize efficient resolution so closings can proceed on schedule with clear, recorded title in place.
Step 1: Title Examination and Issue Identification
The first step is a thorough examination of the chain of title and public records to identify liens, encumbrances, recording errors, and any other defects. This involves reviewing deeds, mortgages, tax records, easements, and prior conveyances to assemble a clear picture of title history. The findings guide the scope of curative work and inform the next steps. A clear report of discovered issues allows clients to understand potential obstacles and estimated timelines for resolution before committing to corrective actions.
Document Review and Chain of Title Analysis
Document review includes verifying legal descriptions, names of parties to prior conveyances, and any recorded encumbrances or instruments that affect ownership. Chain of title analysis traces transfers to confirm legal ownership and identify gaps or inconsistencies. This step establishes whether recorded documents align correctly and whether additional evidence is needed to fill in missing links. The outcome informs the recommended curative tasks required to restore a clean public record that supports the intended transaction.
Title Commitment and Risk Assessment
After identifying recorded matters, we prepare a title commitment summary that outlines insurability considerations and outstanding issues needing resolution. This assessment prioritizes items by severity and impact on the transaction, such as unpaid liens versus minor clerical errors. The report helps clients decide whether to pursue curative work now or seek alternatives, and it serves as the foundation for coordinating with lenders and title companies to align expectations for closing and insurance requirements.
Step 2: Curative Planning and Documentation
Once issues are identified, the next phase focuses on planning and executing curative steps. That planning includes drafting corrective deeds, preparing affidavits, coordinating payoff and release procedures with lienholders, and assembling documentation for recording in county offices. We provide a clear plan and timeline for each action, outline potential costs, and address any negotiations needed with other parties. This phase is central to transforming the title from problematic to marketable in time for the closing.
Preparing Corrective Instruments and Releases
Curative planning often requires preparing instruments such as corrective deeds, satisfaction forms, and affidavits that formalize resolutions and clarify the record. We draft these documents to conform with local recording requirements and to directly address the defects identified. Coordinating the timing of recordings and ensuring proper notarizations are critical in this stage, as the recorded instruments create the public evidence needed to clear the title for transfer or financing.
Coordinating with Third Parties and Registries
Effective curative work involves outreach to lienholders, heirs, title companies, and county registries to obtain necessary releases and confirm recording procedures. We manage communications to secure written satisfactions, negotiate payoffs where applicable, and confirm the exact wording required for recordable documents. This coordination reduces the chance of rejections at the register’s office and helps ensure that corrective instruments achieve the intended effect in the public record.
Step 3: Recording and Final Confirmation
The final step includes recording the corrective instruments with the county register of deeds and obtaining confirmation that the public record reflects the resolution. After recording, we verify that lien satisfactions, corrective deeds, and other documents are indexed properly and that the chain of title is now clear. We then provide clients with documentation showing the recorded instruments and a final summary. This confirmation supports closing, loan funding, or any other property transaction that depends on marketable title.
Recording Instruments and Verifying Indexing
Recording is the critical administrative step that places curative documents into the public record. We ensure that instruments are submitted with accurate references to prior recordings and that they meet county requirements for form and fees. After recording, we confirm indexing to verify that the corrected items appear under the appropriate grantor and grantee names and legal descriptions, ensuring the corrected chain of title is accessible to future searches.
Final Report and Support at Closing
Once recording is complete, we prepare a final report outlining the actions taken, provide copies of recorded instruments, and remain available to support closing logistics. This may include liaising with title companies and lenders to confirm that the updated record satisfies underwriting requirements. Providing this final documentation helps ensure that the transaction can close without lingering title concerns and gives parties the assurance needed to finalize the sale or refinance.
Title Review and Curative Work — Frequently Asked Questions
What is included in a title review?
A title review includes a search of public records to trace the chain of title and to identify recorded instruments that could affect ownership. The review typically examines deeds, mortgages, liens, easements, judgments, tax records, and any recorded encumbrances. The goal is to compile a clear picture of property history and to highlight matters that would prevent a marketable title or the issuance of a title insurance commitment.Following the search, the reviewer prepares a report summarizing any issues found and recommending curative steps when necessary. This report helps buyers, sellers, and lenders understand the risks and anticipated actions to clear defects. It also guides decisions about timing and cost for resolving any identified concerns prior to closing.
How long does curative work typically take?
The duration of curative work varies based on the nature of the defects and the responsiveness of third parties. Simple corrections such as recording a corrective deed or obtaining a lien satisfaction can often be completed in a few weeks, accounting for correspondence and county recording processing times. More complex matters, such as coordinating with multiple lienholders or resolving probate gaps, can take several months.Timelines also depend on county office processing speeds and whether negotiations or court filings are needed. Early engagement and prompt cooperation from involved parties typically shorten the process. Our firm provides timeline estimates after the initial title review and works to keep the matter moving efficiently toward resolution.
Will curative work always require a court action?
Not all curative matters require court action. Many issues can be resolved through administrative steps like obtaining lien releases, preparing corrective deeds, and recording necessary affidavits. These nonjudicial remedies are often sufficient to clear the public record and restore marketability. Working collaboratively with lienholders, heirs, and registries frequently resolves defects without litigation.Court action becomes necessary when parties refuse to cooperate or when competing claims cannot be resolved through documentation alone. In such cases, a quiet title action or other judicial remedies may be the appropriate path to obtain a definitive resolution and clear the title for transfer.
Can title issues affect estate transfers?
Yes, title issues can significantly affect estate transfers. Probate gaps, unclear beneficiary designations, or improperly recorded deeds can create competing claims to property when ownership transfers after a death. These matters must be resolved to ensure that the property can be transferred or sold without future disputes.Curative measures in estate contexts may include probate administration, affidavits of heirship, corrective deeds, and, if necessary, court actions to confirm ownership. Addressing these matters proactively helps protect beneficiaries and heirs by providing a clean recorded title for any subsequent transactions.
How are lien releases handled during curative work?
Handling lien releases typically involves confirming payoff amounts, obtaining written satisfaction documents from lienholders, and recording the satisfaction with the county register of deeds. When a debt has been paid, the creditor should provide a signed release or satisfaction that is then submitted for recording to clear the encumbrance from the title record.If a lienholder is uncooperative, curative strategies may include negotiating settlement terms, securing payment arrangements, or, in some instances, pursuing legal remedies to compel release. Proper documentation and recorded satisfactions are essential to remove liens from the chain of title.
What is an affidavit of heirship and when is it used?
An affidavit of heirship is a sworn statement used to document the identities of heirs and the circumstances of succession when formal probate has not been conducted. It can be useful for transferring property that was held in the decedent’s name where no will or probate record exists. The affidavit typically includes facts about the decedent’s family and is supported by witnesses who attest to the information provided.While affidavits of heirship can help convey title in some cases, they are not a substitute for formal probate when legal requirements demand court supervision. Their acceptability varies by county and by the practices of title companies and lenders, so careful evaluation is necessary.
How do recording errors get corrected?
Recording errors such as misspelled names, incorrect legal descriptions, or referencing the wrong instrument can often be corrected by preparing and recording corrective deeds or affidavits that clearly identify and fix the mistake. The corrective document will reference the original instrument and set forth the precise correction to be recorded with the county register.Before filing corrections, it is important to confirm the exact language required by the county office to avoid rejection. Coordination with the register of deeds and, when necessary, obtaining consents from affected parties ensures that the corrected record achieves the desired clarity in the chain of title.
Will title insurance cover defects that surface later?
Title insurance is designed to protect purchasers and lenders against certain losses from covered title defects that were not discovered before closing. The coverage and the specific exceptions listed in the title commitment determine what is covered. If a previously undisclosed defect is covered by the policy, a claim may be made under the insurer’s terms to address financial loss or defense costs.However, title insurance does not substitute for clearing recorded defects before closing in all cases. Some issues must be resolved to obtain a title commitment or meet lender requirements. Reviewing the title commitment and understanding exclusions helps parties decide which curative steps are necessary before completing a transaction.
What costs are associated with curative work?
Costs associated with curative work vary with the complexity of the issues and the remedies required. Simple administrative tasks like drafting a corrective deed and recording it involve attorney fees and recording costs. More involved matters that require negotiating payoffs, preparing multiple documents, or coordinating with several lienholders increase the time and expense. Court actions, such as quiet title proceedings, incur filing fees, service costs, and potential additional professional fees.We provide estimates after the initial title review and recommend the most efficient path to resolution given the circumstances. The goal is to balance cost and effectiveness to achieve clear title in a timely manner while avoiding unnecessary expense.
How do I get started with title review for a Jellico property?
To begin the title review process for a Jellico property, gather any available deed copies, mortgage payoff statements, tax documents, and any previous title work or surveys. Contact our office by phone or email to schedule an initial consultation and provide these documents so we can begin the public records search and assessment. Early engagement allows us to identify potential issues before they impact your transaction timeline.After the initial review, we will outline recommended curative steps, estimated timelines, and costs. From there, we coordinate with relevant parties and county offices to complete the necessary filings and verifications, keeping you informed at each stage until the title is cleared for closing.