What Is a Title Search, and Why Is It Important
- By Jim Blackburn
- on
- 100 first time home buyer FAQs
1. A Title Search Looks for Hidden Legal or Financial Problems
A title search is a deep dive into the property’s history, going through public records to make sure there are no:
Liens (unpaid debts attached to the property)
Ownership disputes (like missing heirs or divorces)
Easements or restrictions that could affect your use of the home
It’s handled by a title company or real estate attorney—but as the buyer, it’s in your best interest to know the results.
2. The Goal Is to Ensure You Receive a “Clean” and Legal Title
When you close on your new home, you want complete ownership with no strings attached. A title search ensures:
The seller is the legal owner There are no surprises that could cost you later You’re protected from legal battles or forced sales down the line
This isn’t just a technical step—it’s protection for your biggest investment.
3. If Issues Are Found, They Must Be Resolved Before Closing
Sometimes a title search uncovers something unexpected. When that happens, the closing process is paused until the issue is fixed.
A lien may need to be paid off A previous owner’s signature may be missing A legal judgment may need to be cleared from the title
Once everything’s resolved, you’ll receive title insurance to back up that clean record—giving you confidence and peace of mind.
Don’t Skip the Title Search—Let’s Make Sure Your New Home Is Truly Yours
Download our free “Title Search + Insurance Explained” Guide — includes what to expect, what can go wrong, and how to protect your ownership
Chat live now if you’re confused about title terms or want help reviewing your property’s title
Schedule a call with a Stairway Mortgage advisor to walk through the closing steps, including your title and legal protections
At Stairway Mortgage, we don’t just help you buy a home—
we make sure no one else can claim it after you do.
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