Title Resources

Feds Cut Rates: Does That Mean Lower Mortgage Rates?

Earlier this week, the Federal Reserve announced a rate cut of a quarter percentage point. At first glance, this might seem like good news for prospective homebuyers, as many assume a reduction in the federal funds rate will lead to lower mortgage rates. However, the relationship between the two isn’t as straightforward as it may…
Navigating the NAR Settlement Amid New DOJ Scrutiny: Essential Insights for Realtors, Brokers, and Buyer

U.S. District Judge Stephen Bough’s recent approval of the National Association of Realtors’ (NAR) $418 million settlement in the Sitzer/Burnett antitrust case marks a significant shift in real estate commission structures. However, the U.S. Department of Justice (DOJ) has expressed concerns that certain provisions may still hinder competition, indicating that further scrutiny is likely. Key…
What is Title Insurance?

Title insurance is a critical safeguard for property owners and lenders, whether involved in residential or commercial real estate transactions. It protects against potential issues like unpaid taxes, liens, or legal disputes over ownership. Whether you’re purchasing a home or investing in a business property, Excel Title Services ensures you’re covered against unforeseen title defects that could…
The Essential Role of Title Insurance in Mortgage Refinancing

In light of the recent Wall Street Journal article questioning the value and necessity of title insurance in mortgage refinancings, Excel Title Services feels compelled to provide a counter-perspective that highlights the importance and benefits of title insurance, even in seemingly low-risk scenarios. Understanding Title Insurance Title insurance is a protective measure that ensures the…
How Title Insurance Protects Against Fraud in Commercial Real Estate

In the dynamic and often complex world of commercial real estate, fraud can pose a significant threat to investors, developers, and lenders. Fraudulent activities, ranging from forged documents to undisclosed liens, can result in substantial financial losses and legal complications. At Excel Title Services, we understand the critical role that title insurance plays in protecting…
The Role of Surveys in Commercial Real Estate Title Insurance

In the realm of commercial real estate transactions, the importance of thorough due diligence cannot be overstated. One critical aspect of this due diligence process is obtaining a comprehensive survey of the property. Surveys play a pivotal role in ensuring the accuracy and reliability of title insurance for commercial properties. At Excel Title Services, we…
Excel Title Services Expands Regional Presence with Strategic Merger with First Central Land Title Agency

Excel Title Services, a leading provider of comprehensive title solutions, is pleased to announce its strategic merger with First Central Land Title Agency, a respected title services provider based in Kettering, Dayton and Wilmington. This exciting union marks a significant milestone for both companies and enhances their collective ability to serve clients with even greater…
Title Insurance: Your Shield Against Property Ownership Nightmares

When you’re buying a new home or real estate property, it’s an exciting time filled with possibilities and dreams of the future. However, amidst the excitement, it’s essential not to overlook one crucial aspect of the transaction: title insurance. Excel Title Services is here to emphasize the importance of having title insurance and working with…
Commercial Real Estate Purchasers – Be Diligent With Your Due Diligence

It is all too easy to toss aside a commercial real estate purchase agreement once signed. However, it is important for the purchaser of commercial real estate to be aware of the terms of the agreement. One of the most critical terms is the deadline by which the purchaser must complete its due diligence for…