Comprehensive Guide to Title Review and Curative Work for Bartlett Property Transactions
Title review and curative work ensure that property transferred in Bartlett carries a clear marketable title free of defects that could affect ownership or financing. At Jay Johnson Law Firm, our approach focuses on identifying recorded issues, liens, and defects in chain of title and then taking methodical legal steps to resolve them. Whether you are buying, selling, refinancing, or inheriting real estate, careful title review reduces the risk of future disputes and financial loss. We help clients understand the documentation, the options to remove clouds on title, and the likely timelines so transactions can move forward with confidence in Tennessee.
When a title search reveals potential problems, curative work addresses those issues through legal filings, document corrections, or negotiation with third parties. Common matters include correcting misspelled names, removing outdated liens, resolving boundary descriptions, and clearing judgments that attach to property. The curative process can involve drafting affidavits, quiet title actions, obtaining releases from creditors, and preparing corrective deeds. In Bartlett and throughout Shelby County, resolving these problems before closing prevents unpleasant surprises and protects the value of the property. Our goal is to make title issues manageable and to support a smooth transition of ownership for all parties.
Why Addressing Title Defects Matters for Bartlett Property Owners
Addressing title defects provides tangible benefits for buyers, sellers, lenders, and heirs by reducing future legal exposure and preserving property value. Clearing issues before closing lowers the likelihood of disputes about ownership, prevents liens from surprising a new owner, and improves prospects for favorable financing. Inheritance transfers and estate settlements especially benefit from a clear title so beneficiaries can sell or refinance without delay. Early attention to title matters also streamlines closings and increases marketability. For property owners in Bartlett and surrounding areas, investing time in title review and curative work often prevents lengthy litigation and costly delays down the road.
About Jay Johnson Law Firm and Our Real Estate Practice in Tennessee
Jay Johnson Law Firm serves clients across Tennessee with a focus on practical legal solutions for real estate matters including title review and curative work. Based in Hendersonville and serving Bartlett, our team handles transactions, resolves title defects, and represents clients in court when necessary. We bring experience in drafting corrective documents, negotiating releases, and pursuing quiet title actions to secure ownership interests. Clients call us for responsive communication and clear guidance about options and likely outcomes. With a commitment to local knowledge and effective legal process, we help homeowners, buyers, sellers, and lenders move forward with their property goals.
Understanding Title Review and Curative Work for Bartlett Properties
Title review begins with a thorough examination of public records and chain of title to uncover any defects, encumbrances, or irregularities that might affect ownership. The review identifies items such as outstanding liens, unpaid taxes, judgments, restrictive covenants, easements, and improperly recorded transfers. Once issues are identified, curative work outlines the legal steps required to correct or remove those barriers to a marketable title. Remedies may include obtaining releases, drafting corrective deeds, filing affidavits, or pursuing quiet title litigation. Understanding these stages helps property owners and buyers make informed choices about risk, cost, and timing in Bartlett transactions.
Curative work is tailored to the specific title defects discovered during the review and can vary widely in complexity and duration. Some matters are resolved through straightforward documentation, such as having a creditor sign a release or recording an affidavit that clarifies facts. Other situations may require negotiation with lienholders, chain of title research to identify heirs, or filing formal actions in court to quiet title. The goal is always to achieve a clear record that allows the property to be conveyed or financed without unresolved claims. Property owners should expect a combination of legal drafting, communication with third parties, and sometimes litigation to reach a final resolution.
What Title Review and Curative Work Entail
Title review is the process of inspecting the public record and title commitment to identify any issues that could prevent transfer or financing of real estate. Curative work refers to the remedies and filings used to address those defects so that the title becomes marketable. Typical curative tasks include arranging releases for liens, correcting errors in recorded documents, preparing sworn statements to clarify facts, and initiating quiet title proceedings when ownership is unclear. The combined process protects buyers, sellers, and lenders by making the legal status of property transparent and resolving uncertainties that would otherwise impair sale or mortgage transactions in Bartlett and beyond.
Key Elements and Steps in Title Cure Matters
Key elements of title curative work include identifying encumbrances, confirming ownership through chain of title research, communicating with lienholders and interested parties, and preparing legal instruments to clear defects. The process often begins with a title commitment or preliminary report that lists exceptions and requirements. From there, a plan is developed to address each exception, which may involve obtaining estoppel letters, filing releases, drafting corrective deeds, or pursuing court interventions. Effective curative work balances thorough documentation, timely communication, and appropriate legal filings to restore marketability so property transfers can proceed with confidence.
Key Terms and Glossary for Title Review and Curative Work
Understanding common terms helps property owners and buyers evaluate title issues and recommended curative actions. Knowing the meaning of terms such as lien, encumbrance, quiet title, deed of correction, and chain of title makes it easier to follow recommended steps and to communicate with lenders, title companies, and legal counsel. This section provides plain-language definitions and practical context for the terms you are likely to encounter during a review or curative process in Bartlett. Familiarity with these concepts reduces surprises and supports smoother closings when property interests change hands.
Lien
A lien is a legal claim against property used to secure payment of a debt or obligation, such as a mortgage, tax lien, or judgment. When a lien remains attached to a parcel, it can prevent clear transfer or complicate refinancing because the lienholder has a potential right to recover from the property. Curative work often seeks to obtain releases or satisfactions for liens that have been paid or are no longer valid. In some cases, negotiation or court action may be required to eliminate an old or improperly recorded lien so the property can be conveyed without encumbrances in Bartlett and other Tennessee jurisdictions.
Quiet Title
A quiet title action is a court proceeding used to establish ownership and remove competing claims against real property when informal resolutions are impossible or disputed. This remedy is typically pursued when chain of title is unclear, when heirs must be located and their claims resolved, or when adverse claims such as boundary disputes exist. The court determination clarifies legal title and is recorded to protect future owners and lenders. Quiet title actions involve careful research, notice to interested parties, and litigation steps that culminate in an order declaring the rightful owner and extinguishing specified claims against the property.
Chain of Title
The chain of title is the record of successive transfers of ownership for a parcel of real property, documented through deeds and other recorded instruments. A clear chain of title shows continuous and valid transfers from prior owners to the current owner. Gaps, errors, or missing records in the chain can create uncertainty about rightful ownership. Curative work often requires reconstructing the chain, locating missing documents, and correcting recording errors so that ownership history is consistent and reflects the true state of title.
Deed of Correction
A deed of correction is a recorded document used to fix mistakes in a previously recorded deed, such as typographical errors, incorrect legal descriptions, or name misspellings. When minor errors cause confusion in public records but do not alter essential ownership intent, a corrective deed can clear the record without litigation. The correction must be properly executed, notarized, and recorded to ensure accuracy in county records. In some situations, curative work may require additional affidavits or supporting documentation to accompany a deed of correction to satisfy a title insurer or lender.
Comparing Limited Remedies and Comprehensive Curative Strategies
When addressing title defects, property owners can choose limited remedies for straightforward problems or a comprehensive curative strategy for complex issues. Limited remedies handle discrete matters like a single lien release, a name correction, or a missing signature on a deed. Comprehensive strategies bundle research, multiple filings, and possibly litigation to resolve tangled chains of title, multiple encumbrances, or heirship complications. The choice depends on the nature of defects, time constraints for closing, and the level of risk parties are willing to accept. Evaluating these options early helps tailor a cost-effective plan for Bartlett property matters.
When Limited Curative Work Is an Appropriate Option:
Simple Recording Errors or Released Liens
A limited approach is often suitable when title review uncovers recording errors, such as misspelled names or incorrect dates, or when a lien has already been satisfied but not formally released. In those cases, a corrective deed or a recorded release can clear the record quickly and cost-effectively. Working directly with a title company and the creditor can lead to prompt resolution. For Bartlett transactions with a tight closing timeline, focusing on targeted document corrections and obtaining necessary releases can enable the sale or refinance to proceed without the expense or time involved in broader litigation.
Minor Boundary Descriptions or Clerical Mistakes
Minor boundary description discrepancies or clerical mistakes that do not affect the substance of ownership can often be addressed through recorded affidavits, corrected legal descriptions, or agreement among neighbors. When all relevant parties acknowledge the correct facts and cooperate in recording the correction, curative work may be limited to drafting and recording the appropriate instruments. This streamlined remedy reduces cost and delay compared with formal litigation, while still creating a clear public record that supports future transfers and financing for property in Bartlett and nearby areas.
When a Broader Curative Plan Is Necessary:
Complex Heirship or Title Gaps
Comprehensive curative work becomes necessary when the chain of title has significant gaps, multiple claimants exist, or heirship must be legally established. These issues require extended research to locate heirs, prepare notices, and possibly file quiet title actions to obtain a judicial determination of ownership. Such cases involve careful planning, factual investigation, and legal filings to ensure that all potential claims are addressed. For property in Bartlett with older or poorly documented transfers, a comprehensive approach protects future owners by creating a durable judicial record of ownership.
Multiple Encumbrances or Disputed Claims
When there are multiple outstanding encumbrances, competing liens, or disputed claims by third parties, comprehensive curative work coordinates negotiations, lien challenges, and court filings to clear title. Resolving overlapping claims may require settlements, priority disputes resolution, or litigation to remove invalid or improperly recorded interests. A deliberate legal strategy addresses each encumbrance and secures recorded assurances that title is marketable. In these situations, a broader plan reduces the risk of future challenges and improves the ability to sell, mortgage, or otherwise transfer the property with confidence.
Advantages of a Thorough Title Cure Strategy
A comprehensive curative approach reduces future legal exposure, enhances marketability, and provides peace of mind for buyers and sellers. By addressing all known defects and potential claims, complete curative work creates a dependable public record that supports smooth transactions and financing options. Cleaner titles can attract better offers and simplify estate settlements or refinancing efforts. Investing in a thorough resolution today can spare owners the time and expense of defending ownership later, and it often increases the long-term value and transferability of the property in Bartlett and surrounding Tennessee communities.
Comprehensive strategies also allow parties to confront difficult issues proactively, reducing the need for emergency measures or surprise litigation. When title risks are identified early, a coordinated plan brings clarity to lenders and buyers and can shorten the mortgage underwriting process. Thorough documentation and, when necessary, court determinations create strong records that discourage future challenges. This stability benefits sellers who want to close quickly, buyers who need reliable ownership, and heirs who need certainty during probate or estate administration.
Improved Marketability and Lender Confidence
Clearing all title defects increases the likelihood that lenders will approve financing and that buyers will feel secure in completing a purchase. Lenders review title reports closely, and unresolved exceptions can delay or derail loan commitments. A comprehensive cure assures lenders that their collateral is protected and reassures buyers that ownership will not be later contested. This enhanced confidence often accelerates closings and broadens the pool of potential purchasers, which can have a direct effect on sale price and transaction certainty in Bartlett real estate markets.
Long-Term Protection Against Future Claims
Resolving title issues thoroughly provides long-term protection by creating a clear and accurate record that diminishes the chance of future claims arising from prior defects. Court judgments, recorded releases, and corrected instruments serve as definitive solutions that prospective claimants will find difficult to contest. This permanence is especially valuable when properties pass through several owners or when beneficiaries inherit real estate. The durability of comprehensive curative work reduces ongoing legal uncertainty and helps preserve the owner’s rights over time.
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Practical Tips for Handling Title Review and Curative Work
Begin Title Checks Early
Start a title review as soon as a property goes under contract or as soon as you begin estate planning to identify and address issues before deadlines tighten. Early detection gives time for research, contacting interested parties, and preparing or recording corrective documents without jeopardizing the closing. When problems are discovered early, you can obtain necessary releases, negotiate settlements, or plan for court filings if needed. Proactive timing reduces stress, avoids rushed filings, and helps buyers and sellers make realistic decisions about contingencies and closing schedules in Bartlett transactions.
Keep Complete Documentation
Communicate Directly with Title Companies and Lenders
Open communication with the title company and lender helps prioritize curative steps and clarifies which exceptions must be cleared before closing. Title companies often provide guidance about the types of documents they require to remove exceptions. Lenders may have specific instructions for acceptable releases or corrective instruments. Coordinating among all parties reduces the chance of last-minute surprises and helps ensure that the curative approach meets underwriting and recording standards. Consistent dialogue can also speed up negotiations with lienholders or other interested parties during the curative process.
Why Bartlett Property Owners Should Consider Title Review and Curative Work
Title review and curative work protect the value and transferability of real property by ensuring that ownership is clear and free from unexpected claims. If you plan to sell, refinance, or inherit property in Bartlett, addressing defects early prevents last-minute delays and potential litigation. Clearing title can increase buyer confidence and improve financing options. Even when issues seem minor, resolving them in the public record reduces the risk of future disputes and provides assurance that the property can be conveyed cleanly to new owners or used as reliable collateral for loans.
Homeowners and investors benefit from title clarity because it preserves asset value and simplifies estate planning or future sales. Sellers who present a property with a cleared title often face fewer contingencies and smoother closings. Buyers gain protection from latent claims that could threaten ownership. For heirs and personal representatives, curative work removes obstacles to distributing or selling property through probate. Given the potential financial and emotional costs of unresolved title issues, investing in a careful review and an appropriate curative plan is a practical step toward protecting long-term interests in Tennessee real estate.
Common Situations That Trigger Title Review and Curative Work
Frequent triggers for title review include sales or refinances, probate transfers, boundary disputes, unpaid taxes, or discovery of older liens and judgments. Properties with a long history of transfers, rural parcels with unclear descriptions, or family transfers after a death often present more title issues. Lenders typically require a clean title before issuing loans, which prompts buyers and sellers to address exceptions. Identifying these circumstances early allows parties to plan curative steps, obtain necessary consents, or prepare litigation strategies to remove clouds on title before a transaction proceeds.
Sales and Refinances
Sales and refinances commonly reveal title exceptions that must be resolved for the transaction to close or for a lender to fund a mortgage. Title commitments often list required actions such as lien satisfactions, corrected legal descriptions, or deeds of release. Addressing these items promptly protects both buyers and sellers by preventing funding delays. For homeowners in Bartlett, working through title curative items early in the process helps ensure that closings occur on schedule and that mortgage underwriting can proceed without significant obstacles related to recorded defects.
Probate and Inheritance Transfers
Probate and inheritance can create title complications when transfers were informal, heirs are difficult to locate, or prior deeds lack clarity. Curative work may include conducting genealogical research, preparing heirship affidavits, and filing quiet title actions to obtain clarity. Clearing title in these circumstances is important so beneficiaries can sell or refinance inherited real estate without encountering later claims. Taking a methodical approach to address outstanding documents and potential claims reduces the risk of contested ownership and helps settle estates efficiently in Bartlett and across Tennessee.
Older Properties with Irregular Records
Properties with a long history often have recording irregularities, missing documents, or inconsistent legal descriptions that complicate modern transactions. These irregularities may result from prior informal transfers, clerical errors, or changes in surveying standards. Curative work for older properties typically requires extended title research, contacting historical lienholders, and preparing corrective recordings or court petitions. Resolving these long-standing issues protects future owners and simplifies transactions by establishing a clear, accurate record going forward for properties in Bartlett and neighboring jurisdictions.
Local Title Review and Curative Services in Bartlett, TN
Jay Johnson Law Firm provides title review and curative services tailored to the needs of Bartlett property owners and regional real estate professionals. We work with title companies, lenders, and clients to evaluate title commitments, plan curative actions, and prepare the necessary legal documents to clear title defects. Our focus is practical and results oriented, aiming to reduce delays and provide a pathway to a clean recorded title. Clients rely on our local knowledge of Shelby County recording practices and our systematic approach to resolving common and complex title matters.
Why Choose Jay Johnson Law Firm for Title Curative Matters
Clients choose Jay Johnson Law Firm because we bring a clear process, timely communication, and practical solutions to title review and curative challenges. From the initial title review through resolution, we explain options in plain language, help prioritize which defects must be cured for closing, and prepare the required documents or filings. Our approach emphasizes clarity and efficiency to minimize transaction delays and unexpected costs. For buyers, sellers, and estate administrators in Bartlett, trusting a firm that understands local practices and recording expectations makes the curative process more predictable.
Our services include negotiating with lienholders, preparing corrective deeds and releases, handling quiet title filings when necessary, and coordinating with title companies and lenders. We aim to present pragmatic solutions and to document outcomes in the public record so that future owners benefit from durable title clarity. Keeping clients informed at each step and working toward measurable milestones helps parties plan closings and manage timelines effectively, which is particularly valuable when market or financing schedules are tight in Tennessee real estate transactions.
We also prioritize accessibility and responsiveness so clients know where their matter stands and what to expect next. Whether the curative work involves relatively simple recordings or a comprehensive plan that includes litigation, our focus is on achieving the result needed for the property to be conveyed or financed. Bartlett property owners and professionals contact Jay Johnson Law Firm for dependable representation and clear legal pathways to resolve title uncertainties and to protect the interests of buyers, sellers, and heirs.
Contact Jay Johnson Law Firm to Begin Your Title Review Today
How We Handle Title Review and Curative Work at Our Firm
Our process begins with a careful review of the title commitment and public records to identify exceptions and potential defects. We then develop a prioritized curative plan that lists the necessary documents, communications, and filings to clear each issue. Throughout the process we coordinate with title companies, lenders, and third parties while preparing and recording required instruments or, if necessary, filing court actions to resolve disputes. Regular updates keep clients informed of progress and anticipated timelines so they can plan closings and financial arrangements with reasonable certainty.
Step One: Title Review and Initial Assessment
The initial assessment involves analyzing the title commitment, searching county records, and identifying any recorded liens, judgments, or exceptions. This assessment establishes which defects require immediate attention and which can be addressed later. It also clarifies the documentation the title company or lender will insist on clearing before closing. Early identification of these priorities allows us to advise clients about the most efficient and cost-effective curative route and to begin outreach to relevant parties promptly to avoid unnecessary delays in the transaction process.
Conducting the Title Search
A comprehensive title search uncovers recorded instruments affecting the property, including deeds, mortgages, liens, easements, and judgments. This search often extends back several decades to establish a continuous chain of title. The search results are compared with the title commitment to reconcile exceptions and highlight discrepancies. Accurate record review is the foundation for any curative plan because it reveals the full scope of issues to be resolved and helps estimate the time and resources required to achieve a clear title for closing or financing.
Reviewing the Title Commitment and Exceptions
Reviewing the title commitment identifies the title company’s listed exceptions and requirements for issuance of insurance. Each exception is evaluated to determine whether it is substantive or administrative, and whether it can be cleared through documentation, negotiation, or if it requires litigation. The title commitment often serves as a checklist for curative work and sets expectations for what must be done before funding or closing. Addressing these items in coordination with the title company reduces surprises and helps parties meet lender and closing requirements.
Step Two: Curative Actions and Negotiation
After identifying required remedies, we pursue the necessary curative actions, which may include preparing corrective deeds, obtaining releases from lienholders, drafting affidavits, or negotiating settlements. Effective negotiation with creditors and interested parties can resolve many issues without court involvement. When negotiations succeed, the firm prepares and records the agreed instruments, then confirms clearance with the title company. Careful documentation of resolutions and recording in the appropriate county offices ensures that the public record reflects the corrected state of title.
Negotiating with Lienholders and Creditors
Negotiations with lienholders often secure releases or subordinations needed to clear title. These discussions can involve payment arrangements, proof of satisfaction, or other concessions. By presenting clear documentation of the property’s status and explaining the benefits of releasing or resolving the matter, many lienholders agree to sign releases that remove clouding encumbrances. Coordinating these efforts efficiently helps to minimize delay and expense while achieving recorded resolutions that satisfy title company requirements.
Preparing Corrective Documents and Filings
Preparing corrective documents requires precise language and proper execution to ensure county recorders accept them. This work includes drafting deeds of correction, releases, affidavits of heirship, and other instruments that formally resolve the identified exceptions. Proper notarization and recording are essential to make the corrections effective in the public record. After recording, the firm verifies acceptance and updates the title status so the transaction can move forward with a reduced risk of post-closing disputes or lender objections.
Step Three: Litigation and Quiet Title When Necessary
When negotiation and corrective documents are insufficient to clear title, pursuing litigation such as a quiet title action may be necessary. Quiet title actions seek a judicial determination that resolves conflicting claims and establishes a clear ownership record. These proceedings involve filing petitions, providing notice to potential claimants, and presenting evidence to the court. While litigation can extend timelines, a court order provides a definitive resolution that is recorded and relied upon by title insurers and lenders moving forward, offering long-term clarity for the property.
Filing a Quiet Title Action
Filing a quiet title action requires assembling evidence of ownership, identifying and notifying potential claimants, and presenting legal arguments showing why claims should be extinguished. The court then decides the rightful owner and directs the record be updated accordingly. This remedy is particularly useful when heirs cannot be located, when claims are stale, or when adverse possession or boundary disputes exist. Although it involves court costs and time, the resulting order produces a reliable recorded outcome that secures title for future transactions.
Recording Court Orders and Finalizing Title
Once a court issues an order resolving title disputes, the order and any resulting deeds or documents are recorded in the county where the property is located. Recording the judgment or corrective instruments updates the public record and allows title companies to issue clear title commitments. Final steps include confirming that all exceptions listed in the original title commitment have been addressed and obtaining updated title evidence. Completing these actions ensures that the property enjoys a stable, marketable record for future sales or financing in Bartlett and across Tennessee.
Frequently Asked Questions About Title Review and Curative Work
What is a title review and why do I need one in Bartlett?
A title review is an evaluation of public records and the title commitment to identify encumbrances, defects, or recording irregularities that could affect ownership. You need a title review to know whether a property can be transferred or financed without unresolved claims. Lenders rely on title reviews to protect their security interest, and buyers rely on them to confirm that ownership can be passed cleanly. In Bartlett, conducting a thorough review before closing reduces the risk of unexpected claims and helps parties plan appropriate curative steps when issues arise.
How long does curative work typically take?
The time required for curative work varies depending on the nature and complexity of the defects. Simple recording corrections or a single lien release may be resolved in a few days to a few weeks, while matters requiring negotiation, heir location, or court filings can take several weeks or months. Quiet title actions and complex negotiations naturally extend timelines. Early identification and prompt outreach to interested parties shorten overall time, while collaborative responses from creditors and other parties expedite the process. Each case is unique and benefits from a tailored timeline estimate.
Will curative work prevent all future title disputes?
Curative work significantly reduces the likelihood of future title disputes by correcting recorded defects, obtaining releases, and creating clear documentation. While no process can absolutely guarantee that all future claims will be impossible, thorough curative efforts and court determinations create strong public records that discourage most challenges. Title insurance also provides additional protection for covered defects. The practical objective is to reduce foreseeable risks and to make the recorded chain of title reliable for buyers, lenders, and subsequent owners in Bartlett and throughout Tennessee.
What kinds of documents are commonly used to cure title defects?
Common documents used in curative work include releases or satisfactions of liens, deeds of correction, affidavits of heirship or possession, corrective deeds, and reconveyances. In some cases, estoppel letters or subordination agreements may be used to realign priorities among lienholders. When informal paper remedies are insufficient, pleadings for quiet title or declaratory relief may be required. The appropriate instruments depend on the specific defect identified and on the requirements of the title company and lender involved in the transaction.
Can curative work be done after closing?
Curative work can be performed after closing, but addressing title issues before transfer or mortgage funding is generally preferred to avoid disputes after the fact. Post-closing cures can be more complicated if ownership has changed, because obtaining cooperation from the new owner or lender may be required. When problems are discovered after closing, corrective measures such as corrective deeds or litigation may still resolve defects, but the process may be more time-consuming. Acting sooner rather than later typically produces better outcomes for all parties involved.
How does a quiet title action work in Tennessee?
A quiet title action in Tennessee is a court procedure used to resolve competing claims and to declare who holds legal title to a property. The process involves filing a petition, providing notice to all potential claimants, and presenting evidence that supports the petitioner’s claim. The court then issues an order that clarifies ownership and extinguishes competing claims specified in the judgment. While quiet title actions require litigation time and costs, they provide a definitive and recorded resolution that lenders and title companies can rely on going forward.
Who pays for curative work during a sale or refinance?
Responsibility for payment of curative work can vary depending on contract terms between buyers and sellers and on lender requirements. In many residential transactions, sellers address known title defects as a condition of sale, or parties negotiate who will pay for necessary releases and corrections. For refinances, the borrower often bears the cost of clearing title exceptions required by the lender. Clear communication and negotiation during contract drafting help establish who will assume these costs and prevent disputes near closing.
What happens if an heir cannot be located during a title cure?
If an heir cannot be located, curative work may proceed by publishing notice and following statutory procedures to provide constructive notice. In some cases, the court may allow a quiet title action with substituted notice measures when reasonable efforts to locate heirs fail. These procedures ensure that potential claimants have an opportunity to come forward, while permitting the property’s title to be finalized when heirs cannot be located after diligent search efforts. Documentation of those efforts is important to support the chosen curative approach.
Do lenders always require every exception to be cleared?
Lenders generally require that exceptions which affect the lender’s security interest be cleared before funding. Some minor exceptions that do not impact the lender’s priority or collateral value may be accepted with additional endorsements or surveys. The title commitment typically outlines the requirements the lender expects to be satisfied. Working with the lender and the title company clarifies which exceptions must be resolved and which may be addressed in alternate ways to allow the transaction to proceed while protecting the lender’s interests.
How can I start a title review with Jay Johnson Law Firm?
To start a title review with Jay Johnson Law Firm, contact our office in Hendersonville or call the number provided to schedule an initial consultation. We will request the title commitment or the property’s recorded documents and perform a review to identify exceptions and potential curative steps. After an initial assessment, we outline recommended actions and provide an estimate of timelines. Early engagement allows us to begin outreach to title companies, lenders, and third parties to expedite resolutions and to keep your transaction on track in Bartlett or elsewhere in Tennessee.