We perform all kinds of real estate title search and title guaranty work.
Abstracts of Title:
We can create a new abstract of title. In some cases the original abstract has been
lost or destroyed. We can make a new
abstract for a given parcel of property. In other instances a parcel of land needs to be split and a new abstract
of title needs to be created. In this
instance a new abstract is created while retaining an abstract for the seller.
Continuations of Abstracts
In Iowa an abstract of title is maintained as part of the overall evidence that title is marketable. This abstract is then continued up to a current date when property is transferred, refinanced, part of a probate proceeding or divorce. Updating the abstract involves searching the County records affecting title, as well as searching the Court records for matters affecting title. Once continued, the abstract is used as the basis for an opinion of title by a licensed attorney.
Check Sheets, Title Searches, Lien Searches, Chain of Title Reports, Title Reports
Sometimes a client does not need a full-blown certified abstract but is seeking specific information about the current holder of real estate. Our office can supply such a written report. There are variations on this type of report as the above reference list demonstrates.
Personal Lien Search
American Abstract & Title Guaranty can provide
lenders, employers and others with a personal lien search which will report any
judgments, taxes or personal matters of record in the County offices or the
Clerk of District Court.
Date Down or Pre-closing Search
It is a lender best practice to have the status of title researched to cover the period of time between the title work date and the actual recording date of the instrument (ie: mortgage). This period of time is known as the “gap”. American Abstract can provide date of recording searches to cover this gap period. Date down searches may be used in a situation where multiple loan advances are required or where closings are occurring in stages. These services, too, are available from our company.
Document Review and Recording Services
Our offices can review documents prepared by the client and assist in making them recordable and compliant with the County Office procedures. This review is then followed by physically recording the documents on behalf of our clients.
Iowa Title Guaranty Form 900/901
In Iowa the title insurance product offered is a standard
American Land Title Association (ALTA) policy issued by Iowa Title Guaranty
which is part of the Iowa State Government. This policy can be issued based upon an updated abstract of title or in
some cases based upon a form 900/901. This product is available through our
Standard HUD-1 and other real estate closing services are provided through our affiliation with Attorney Kevin J. Kuckelman. These closing services can be conducted either in our office in Keokuk or Fort Madison based upon the client preference. A closing protection letter can be issued as part of our service to a lender in this closing process.
Iowa Title Guaranty
American Abstract & Title Guaranty is a certified
participating abstract company for Iowa Title Guaranty. American Abstract & Title Guaranty is
also a field issuer of title insurance policies, which makes it much more
efficient for clients to receive title policies.
Delivery of Work Product
American Abstract & Title Guaranty will deliver completed abstracting work by hand to local attorneys. This expedites the work process and ensures prompt service to the client. Whenever it is possible to do so, we deliver work via e-mail to expedite work delivery.
Preparation of Conveyance Documents
Through our affiliation with Attorney Kevin J. Kuckelman
a variety of documents, especially conveyance documents, can be prepared. We can prepare the legal descriptions as a
separate exhibit to attach to documents for any attorney or banker as
Expedited and Rush Services
In some instances the client simply needs the work done on very short notice. Expedited services are available at an additional fee.