Tallent Title Group, Inc. was founded by Scott Tallent and Whitney Wilson to provide loan closing, title insurance, title inspection and escrow services in Knoxville, TN and surrounding areas.
Summary of the Services Tallent Title Group, Inc. Provides
- Rush searches/quick turn around time.
- Complete closing services.
- Full title insurance.
- "In office" or "out of office" settlements.
- After hours closing accommodations.
- Preparation of estimated settlement costs.
- Document preparation.
- Full recording services.
- Tax assessment information.
- Acceptance of e-mail documents.
- Title examination (search).
- Record owner and lien certificates.
- Judgment and lien searches.
- Disbursement of settlement funds.
- Construction loan closings.
- Quick return of loan documents and title policy.
Our primary goal is to provide our clients with expert loan closing and title services at an affordable prices. We are committed to providing high quality services that meet or exceed the needs of our clients.
What exactly, is involved in a title search?
One of the most important parts of the title search is to determine if there are any unsatisfied judgments against the seller or previous owners which were in existence while they owned the title. A judgment is a general lien against the debtor's real estate and constitutes security for any money owed under the judgment. The real estate can be sold to satisfy the judgment. It is extremely important to be sure that a title is not subject to judgments against the seller or previous owners. Title insurance provides this protection. A judgment against a person named Smith may affect the title of a seller named Smith, depending on whether or not they are the same person. So all possible variations of the name must be examined. For example, the name Smith might be spelled Schmidt, Schmid, Schmidtt, Schmidz, Schmied, Schmiedt, Smid, Smythe, and so on. The name Nichols can be spelled 73 different ways, from Nachols to Nychals. The task is to determine which of these applies to the owner in question. First names have to be checked, too. There are 25 foreign forms of John, including Johann, Jehan, Hans, Shaun, Gudi, and Efom. Rights established by judgment decrees, unpaid federal income taxes, and mechanic's liens all may be prior claims on the property, ahead of the buyer's or lender's rights. If a judgment is discovered that constitutes a defect in the title, it is pointed out, and the seller must then eliminate it before the title of the new buyer can be insured free and clear of that judgment.