Frequently ASked Questions

The buyer (or borrower in a refinance transaction) will choose the settlement company.

The settlement company does not act as an advocate for any parties. They represent the transaction, ensuring that the terms of the contract are met and title is clear.

​Unlike most insurance which protects against future events, title insurance protects against things that have occurred in the past. Title insurance protects you in the event there is a claim or loss against your ownership interest to the property. The policy contains information regarding the condition of your ownership rights to a piece of property. It provides you with a peace of mind to take the risk out of acquiring property whose legal history is unknown to you. For a one time premium you can receive a policy to protect against title defects or claims against the property and it can even protect you after the property has been sold.

​Even the most thorough title search will not uncover certain possible defects. A few examples are: mistakes in the public records, forged deeds and other documents or undisclosed heirs. You don't want an event to occur that may deprive you of your right to use the property or sell it.

​Since Lenders and Owners have an interest in the clear title to the property, most Lenders will require a buyer to purchase a Lender's Title Insurance Policy. This policy protects only the lender against possible title defects up to the maximum amount of the loan. The Owner has no coverage under this policy. In order for the Owner to be protected they must purchase an Owner's Title Insurance Policy. Owner's Title Insurance will protect you against any covered loss up to the full policy amount.

Both parties are responsible to bring a valid government issued picture identification, such as a driver's license. In addition, if funds are needed for the sale or purchase our office requires a Cashier's Check made payable to West View Title Agency, Inc. or funds via a bank wire only.