title and settlement services for home buyers, sellers, and real estate professionals. |
At Lilly Title & Settlement, we don't just handle paperwork. We pay close attention to the details that protect your transaction, including fraud. |
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Buying or selling a property is a major life decision. The last thing you need is uncertainty about what’s happening behind the scenes.
From contract to closing, we help you navigate the title and settlement closing process with experienced guidance, careful attention to detail, and communication you can count on! "Thank you, Tammy, for a very painless event. You and your staff are wonderful. We haven't bought a home in over 30 years, and the process with you was easy. We are so grateful." Marie and Dennis Marsh
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Lilly Title & Settlement provides the title and settlement services that help move your transaction from contract to closing with confidence.
Your Closing is Too Important to Leave to Chance
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For the biggest purchase of your life, closing on your property is more than signatures at the closing table.
Before you receive the keys to your new home, or hand them over to the buyer, we make certain important details are thoroughly researched, reviewed, and handled correctly. Here's how we work for you... |
Title Search
We thoroughly research your property’s title history. So, no surprises slow down your closing.
Title Insurance
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We provide lenders and owners with title insurance to protect them against certain covered title problems. Learn more about the difference between lender’s title insurance and homeowner’s title insurance.
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Real Estate Closings
We coordinate documents, funds, and details among all parties involved to get you to the closing table.
Settlement Services
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Whether you’re buying or selling, we help manage the many moving parts involved in your settlement to keep your closing on time. But doing the work well is table stakes.
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Here's What Sets Us Apart
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For starters, Lilly Title uses the latest fraud-protection software to help keep your money safe and give you peace of mind. Every buyer and seller verifies their identity and wiring instructions, and we confirm every transfer directly
But it's more than that. |
We're an Independent Title & Settlement Company
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We bring true neutrality to your settlement experience. Unbiased representation. No financial conflicts of interest tied to corporate or lender-affiliated agencies.
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Highly Detailed & Easy Communication
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Our thorough title search can uncover liens, ownership issues, errors, and other problems that need to be addressed before closing. And communication? You shouldn’t have to wonder what is happening with your closing. We keep you and real estate professionals informed throughout the process.
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Trusted & Experienced
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Our experience certainly sets us apart; with more than two decades of experience, we know the title and settlement industry inside and out.
But it's the trust of the community that really makes the big difference. We have maintained an A+ rating with the Better Business Bureau and has been BBB accredited since 2015. |
Why Title Insurance Matters
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While you’re refinancing or dreaming of life in your new home, we’re thinking about the property’s history, such as previous owners, mortgages, liens, judgments, heirs, deeds, and other records that can create issues that aren’t obvious when purchasing a new home.
We’re also looking for potential title problems such as:
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Tammy & Staff, Thanks again for making the closing process a smooth and straightforward experience :)
Sincerely, Yvonne Spencer & family |
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If these errors have been recorded, we find them and correct them before closing.
But if there’s an error that hasn’t been recorded, homeowner’s title insurance can protect against certain covered title defects and claims, according to the terms of the policy. That’s why having an experienced title and settlement company involved in your closing matters.
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How does house title insurance work?
If the title on your property is challenged, the title insurer assumes accountability for legal expenses to defend your property title, should a challenge arise.
Further, we take on the legal expenses to defend the property for as long as you are in possession of the property. Should the defense not be successful, you will be reimbursed for any lost value of your property.
Further, we take on the legal expenses to defend the property for as long as you are in possession of the property. Should the defense not be successful, you will be reimbursed for any lost value of your property.
Doesn't lender's title insurance cover me?
No. Lender's title insurance insures that the borrower has a valid, enforceable lien on the property. Consider lender's title insurance as half of the legal protection you need. All of the lenders we work with require lender's title insurance. As part of your loan agreement, the buyer must purchase it because they want to protect their investment. (That's smart!)
Is Owner's Title Insurance Required?
No, it isn't required, but it is a must! It protects you from title defects that existed prior to the issue date of the policy, like the list of 10 possibilities mentioned above.
The inherent danger of these defects is that you may not learn of them for months or years! Without title insurance you could spend a considerable sum of money on a legal defense and still lose your property!
When you invest in homeowner's title insurance with Lilly Title & Settlement, you are protected against financial loss and the payment of legal fees to resolve any issue that could arise.
The inherent danger of these defects is that you may not learn of them for months or years! Without title insurance you could spend a considerable sum of money on a legal defense and still lose your property!
When you invest in homeowner's title insurance with Lilly Title & Settlement, you are protected against financial loss and the payment of legal fees to resolve any issue that could arise.
How Much Does Title Insurance Cost?
Unlike most insurance policies, title insurance is a one-time investment. Yet, your Owner's Title insurance protects your for as long as you and your heirs own the property. or have an interest in the property. For about the price of one annual car insurance premium, you get a lifetime of peace of mind! (Or until you sell the house.)
Get in touch with us today to enlist our title and settlement services.
Get in touch with us today to enlist our title and settlement services.