Title Insurance

[PAm93022]

What is the name of your state? California
When you refinance your house and pay for title insurance are they only responsible for looking in the immediate county for any judgements against or do they also search the surroundings countys for bad debts, liens, or judgements?What is the name of your state?

[nextwife]

Originally Posted by PAm93022

What is the name of your state? California
When you refinance your house and pay for title insurance are they only responsible for looking in the immediate county for any judgements against or do they also search the surroundings countys for bad debts, liens, or judgements?What is the name of your state?

They are only searching for debts that would attach to the real estate. Some databases are statewide, and judgements in those systems may apply to any property in any county which the borrower is titled to. An example in some states would be child support liens which are often shown in a state database.

Be advised that some bad debts will show in a credit check, which means they may still confound the refi process.

[krypton311]

anything with your name on it. child support, debt from wherever. Your name, your responsible.

[danno6925]

When you refinance your house and pay for title insurance are they only responsible for looking in the immediate county for any judgements against or do they also search the surroundings countys for bad debts, liens, or judgements?

Most title companies will look only in the state you are refinancing in. However, they will likely have the ability to search the entire state's lien database for your name's occurrence.

Krypton, you're thinking of the mortgage company. They'll check the credit report, which is taken from nationally consolidated information from three major agencies; TransUnion, Beacon, and Fair,Isaacs & Company (FICO).