(781) 395-0020 info@dowley.legal

Navigating Title Issues in Real Estate Transactions: A Proactive Approach

Real estate transactions can be complex, and title issues can make them even more so. Title issues may arise before a purchase is finalized, when a property is passed on to a new owner, or even years into the future. As a buyer, seller, or real estate professional, it is important to be aware of and understand potential title issues to avoid any potential pitfalls. In this blog, we will discuss how to proactively identify and address title issues in real estate transactions. We will look at the process of title searches, the importance of title insurance, and steps to take if an issue is uncovered. With this information, you can take a proactive approach in avoiding title issues in real estate transactions.

Understanding Title Insurance

Title insurance plays a vital role in protecting homeowners and buyers from potential losses or disputes related to the property’s title. It provides a safeguard against various title defects that can arise during real estate transactions. To grasp the significance of title insurance, let’s delve deeper into its key aspects.

Title defects can stem from unpaid mortgages, liens, errors in public records, undisclosed heirs, or even fraudulent activities. These issues may not be apparent at the time of purchase but can surface later, potentially jeopardizing your ownership rights and financial investments. Title insurance serves as a shield, mitigating the risks associated with these defects.

When purchasing a property, it is common for the buyer to obtain title insurance. This insurance policy remains in effect as long as the buyer owns the property, providing protection against future title disputes. It is usually a one-time cost, paid during the closing process.

Identifying Potential Title Issues

When buying a home, it is important to identify any potential title issues that may arise. In order to do this, it is important to do a title search. A title search is a process that reviews the public records related to a property and identifies any potential title defects. This process is typically performed by a title company or a real estate attorney.

When conducting a title search, the title company or attorney will look for any unpaid mortgages, liens, or other encumbrances that may be associated with the property. The title company or attorney will also look for any errors or omissions in the title documents. If any of these issues are found, the title company or attorney will work to resolve them before the sale of the property is finalized.

Pre-Purchase Title Searches

Before a buyer purchases a property, it is important to conduct a title search. During a title search, the title company will search public records to make sure that the seller has the legal right to sell the property. The title search will also reveal any liens, encumbrances, or other issues with the title that could potentially affect the buyer’s ownership of the property. It is important to note that the title search does not guarantee that there are no issues with the title. In some cases, title issues may be revealed after the sale of the property.

A title search typically includes a review of the deed, tax records, liens, judgments, and other public documents related to the property. The title company will also review any easements, restrictions, or covenants that may affect ownership of the property. The title company will then issue a title report that outlines any issues that may affect the buyer.

Resolving Title Defects

In some cases, title issues may be revealed during the title search or after the sale of the property. Title defects can range from minor issues that can be easily resolved to major issues that could potentially prevent the buyer from taking ownership of the property.

If the title company discovers any title issues, they will typically try to negotiate a resolution with the seller or the title company’s title insurer. In some cases, the title company may be able to resolve the issue by obtaining a lien release or by providing additional insurance coverage. In other cases, the buyer may need to negotiate directly with the seller or the title company’s title insurer to resolve the issue.

In some cases, it may be necessary to involve a real estate attorney to help resolve title issues. An attorney can help the buyer understand their rights and can help negotiate a resolution with the other parties involved. An attorney can also provide legal advice and assistance to the buyer in the event of a dispute.

The Role of Title Companies in Avoiding Title Issues

Title companies play an important role in helping buyers and sellers avoid title issues. A title company can conduct a thorough title search to make sure that the title of the property is free of any liens, easements, or other potential issues. If a title defect is found, the title company can provide counsel on how to best address the issue. Furthermore, title companies can provide title insurance, which can protect against title issues that arise after the sale of the property. In addition to title searches and title insurance, title companies can help to ensure that all documents are properly filed and recorded with the local jurisdiction. By taking these precautions, title companies can help buyers and sellers to avoid any problems that may arise with the title of the property.


Navigating title issues is a crucial aspect of real estate transactions, and taking a proactive approach can save you from potential pitfalls. By understanding the role of title insurance, conducting pre-purchase title searches, and working with experienced professionals, you can protect yourself and ensure a smooth transaction.

At Dowley Law, we specialize in providing comprehensive legal guidance for real estate matters. Our team of skilled attorneys can assist you throughout the process, from conducting thorough title searches to resolving any title defects that may arise. With our expertise and attention to detail, we strive to ensure that your rights are protected and that you have a clear understanding of the property’s title.

Title insurance serves as a valuable safeguard, protecting you from financial losses due to title defects. By obtaining title insurance, you can have peace of mind knowing that you are covered in the event of any unforeseen issues that may arise after the purchase.

Our dedicated team will work closely with you, providing expert advice and guiding you through any potential challenges. We understand the complexities of real estate transactions and are committed to helping you avoid title issues and ensure a successful outcome.