Title Search
A title search is a detailed examination of public records to verify the legal ownership of a property and identify any claims, liens, or encumbrances that could affect the transfer of title.
The title search is conducted by a title company or attorney before closing. It reviews deed records, court judgments, tax records, and other public filings to confirm the seller has clear authority to transfer ownership and that no outstanding issues exist.
A title search is not the same as title insurance. The search identifies known issues; title insurance protects against issues the search may not uncover. Both are standard parts of the closing process. A Closing Protection Letter adds another layer of security. Learn more in our guide to the closing process in Louisiana.
Why This Matters: A clean title is required before any lender will fund a mortgage. If the title search reveals liens, disputes, or errors, they must be resolved before closing can proceed. Understanding this step helps you avoid last-minute delays.
Common question
What does a title search look for?
Outstanding liens, unpaid taxes, ownership disputes, judgments, easements, or recording errors — anything that could affect the legal transfer of the property to you.
What happens if the title search finds a problem?
The issue must be resolved before closing. Common fixes include paying off liens, correcting recording errors, or obtaining releases. Your title company and lender will guide you through the process.
Related Topics
Related Mortgage Terms
Wondering what a title search will reveal? We will explain the process and what it means for your closing.
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