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How much will it cost?
Fees for title search are both
competitive and consistent. Because of the idiosyncracies
of some searches, precise fee schedules are difficult
to post. For example, searches requiring greater detail
or travel outside a metropolitan area may include the
cost of travel. Please contact BGT at info@@bluegranitetitle.com
or phone us at 803-771-0117.
What is the normal turn
around time?
Most of our report types are delivered
within 2 to 3 business days from request. Foreclosure
searches and commercial searches take longer and can
usually be returned in 5 to 7 business days from time
of request.
Do you have Errors and
Omissions insurance?
Yes, we carry $1,000,000 in error
and omissions coverage.
How much experience do
you have?
We have over 30 years of experience.
What is a title search
and what is the standard number of years for which a
title should be searched?
All legal documents pertaining
to real estate ownership, mortgage liens, judgments,
easements, etc. are maintained in South Carolina by
either the Clerk of Court or the Register of Deeds at
the local county courthouse. All documents are sent
to these offices for a procedure known as recording.
Recording is considered public notice of a right or
a claim. A title search is a name given to the research
of public records conducted to determine ownership,
and to locate any mortgage liens, or other liens recorded
against the property or the owners.
There are several types and levels of title searches. There are those that are more comprehensive, such as a 60-year search, which require additional research and are more inclusive of additional data. Others, such as a simple property check or a record owner, are less in scope and are less comprehensive.
The standard number of years for
a full residential title search is 40 years and 60 years
for a full commercial title search.
Why would I want to use
a firm like Blue Granite Title rather than an online
service that displays lower fees?
There are many reasons--extensive
experience, attention to detail, understanding of the
variances from county office to county office, to name
a few. Abstracting sweatshops often engage abstractors
just months out of training with limited knowledge of
the type or location of exceptions. They do not know
what to look for in more complicated titles. Moreover,
they pay them a low fixed fee for their time, encouraging
them to taking shortcuts to make their work even slightly
profitable. While it's your call, if I was insuring
a title, I'd want to know I had the most reliable examination
possible.
Is there a charge if the
property cannot be found?
Yes. When the property requested
to be searched cannot be found of record in the county
provided by our client, Blue Granite Title will contact
you, advise of the unfound record and request any additional
information that may be available. If the property records
still cannot be located in that county, a fee is charged
for the time spent in researching the information provided.
The fee is referred to as a “No Find Fee”.
Can I obtain copies if
I do not know the Book, Page or Instrument Number of
the document?
Yes. By providing specifics about
the document in question, a search will be done to determine
the identifying numbers and the document copies provided
to you.
What counties do we focus
on?
We focus on the Midlands of South
Carolina, including Richland and Lexington counties
but can search other counties in the state with incremental
fee for time and travel.
How are the results of
the search returned?
We can send our computer generated
title report to you via fax, email, overnight delivery,
or standard U.S. mail. All of our reports are typed
and professionally formatted to eliminate any problems
often caused by hand written reports.
Who do I contact BGT about
my search request?
You can contact us at our office
by telephone at (803) 771-0117 or email us at titles@bluegranitetitle.com.
Our team is here to assist you in any way possible.
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