No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Why don't you contact the title company and ask for the title commitment?
They would run the search before issuing the commitment and if there were a judgment it would show in the exclusions part of the title commitment (Schedule B).
They should have it by now. Most title companies get right on it (the good one's anyway). There is a paragraph in the contract that specifies the date by which the title co has to provide the commitment.
Get an Owners Title Insurance Policy to cover anything that may have been missed in the title search.
@Leeloo wrote:Get an Owners Title Insurance Policy to cover anything that may have been missed in the title search.
This is true ^^^. But SBrooks was worried about an old judgment popping up from her distant past. Title co's run not only title searches for the property, but they look for judgments against buyers before the purchase. This is done to protect the bank as the judgment can attach to the property and come in front of the banks loan. If her title commitment came back with a judgment showing - the lender would normally pick it up prior to final approval. There is also a requirement for the title commitment to be provided to the buyer in advance of the closing by a certain date.
Here in my county title insurance is required, but I know that isn't the same everywhere so the link is appreciated.
@Sbrooks1 wrote:
In my purchase contract?
Yes, there is usually an entire paragraph or more devoted to title company or closing attorney requirements including the due date of the title commitment.