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Johnycomelately | Can you close on a house without the title search being complete? |
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LoneStar
 |
You can, but you would be a fool.
If you are using a lender, they would never consent to such an act. |
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lendermark1
|
Absolutely not. No lender in the world would close on a loan without a title report. If you were paying cash and didn't care if there were liens or encumbrances I guess you could but that would not be a very smart thing to do.
http://www.lendermark.com |
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Harold T
|
dont think so |
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mtgguy
 |
no, all lenders require it |
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W. E
 |
Sorry - NO
If it has be some time - you may try another title company and see what their turn time is, but You have to have the title work on a home mortgage. It will show your property taxes, who the lender is, the about of the mortgage, if you have any leins on title, and the property description, just to name a few things that is on the title. |
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answermonkey
|
Definitely no. The most widespread scam currently implemented is having someone sell the house who doesn't have the title for it. The scamster will just leave with your money.
A seller should never hard-press you into buying and paying before the title search is over. |
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Katetrinity
|
NO. |
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sam21462
 |
If you do please contact me .. I have some swamp land I need to unload. |
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baickle
|
Without a completed title search no one will give you title insurance. So no you can't. You may not end up with clear title and ownership of the property. No lenders would finance it either. |
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Serenity
|
Absolutely not!! Anyone who tells you otherwise is trying to trick you into some type of scam. I would not beleive a word out of their mouths if they told you this. The title is of extreame importance in getting a clean title on any purchase. Would you want to get a property which has a lot of debt unsettled on it? There could be huge liens against it or even other owners who have to sign too. If you do not get a clear title you will not be sure who owns the property, you, a lein holder, or another owner who did not sign off on the sale. Take a husband and wife who co-own a property. If you do not get both signatures, then it has not been legally sold and you would be out any money you put down. I would be really careful and make sure I got a clean title. It is illegal to close without the title being cleared. Good luck. |
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katerina
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I don't think so |
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StudentoftheHumanCondition
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No, and if a title agency or attorney wants you to, run the other way. A title search is what is used by a title insurance company to verify that the title to the property is clear of defects, liens and encumbrances. In plain English, that you own it without any known claims passing on to you. Please make sure you also get your own title insurance ("owner's title policy")so that you will be covered in case something is missed. The lender's policy only covers the lender (even though you pay for it). |
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hugh.G.rection
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Legally - YES
Sensibly - NO
In all actuality, you don't need an escrow company either. |
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Keller Williams Realtor
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Yes you can, if your paying CASH, but you would be a fool to do it! |
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Stephen
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only if you pay cash. Yet I would still do the title search. If you do not, there could be a tax lien on the property, a mechanics lien or you could be buying it from someone who does not even own the property. |
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