First National Title (FNT) is Arkansas' largest independent title company, and our team of professionals is here to ensure that your upcoming real estate closing is smooth and hassle-free! We have 26 Arkansas locations to serve you, and you'll always be able to work with an experienced agent in or near your community from start to finish. But before proceeding to closing, it's essential to confirm that the seller can demonstrate the ability to convey clear, unencumbered ownership to avoid any unexpected delays.
Encumbrances are commonly known as "title clouds" because they cast shadows over the property and the closing process. The most common problem you're likely to encounter is liens placed on the title by the property owner's creditors due to delinquent child support, outstanding debts, or legal judgments. If past cases of fraud or forgery are uncovered, they can seriously delay property closings. Additionally, if a previous property owner died without a will, there may be previously unknown heirs with a legitimate claim to the property.
Contact us as soon as your offer is accepted and the property is under contract, and we'll perform a thorough title search to confirm there are no encumbrances or liens on the property's title. Once our title agents have completed the title search and are fully satisfied that the title can properly be conveyed, your next step will be to proceed to closing. And once the sale has been fully consummated through the closing process, we'll issue you an owner's title insurance policy that will remain in effect for as long as you own your home.
We proudly offer title insurance products from top underwriters, including First American Title Insurance Company, Chicago Title Insurance Company, Commonwealth Land and Title Insurance Company, Fidelity National Title Insurance Company, and Old Republic National Title Insurance Company, and we'll find an insurer that best fits your needs. In the unlikely event of a future title dispute, your policy protects you, and you'll enjoy true peace of mind as you move into your new home!
If you have any questions about title insurance, contact us online or at any of our 26 convenient Arkansas locations listed below!