Steps in the Title Process

Initial Request

An order for title insurance is opened with a title officer. A preliminary report can be issued with a minimum of information, without even identifying the buyer. It shows the record title as it presently exists and is only an offer to provide insurance.

On-Site Searching and Examining

A title officer performs three searches: Property, Name, and Tax searches. From that information, a preliminary report is created.

Technical Review

Once a preliminary report is issued, a technical analysis of the documents of the record begins. This view of all recorded matters is made to evaluate their impact on the title to the property.

Inspection Analysis

In anticipation of coverage, an inspection of the site is ordered. From the inspection report, the title product is amended to show any encroachments or other matters which would ultimately impact the title.

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Title Insurance is offered through Virginia Statewide Title Services, LLC, an affiliate of Virginia Credit Union, Inc. (VACU) and Bon Air Title, and is underwritten by unaffiliated insurance companies. VACU may receive a financial or other benefit because VACU, through Virginia Credit Union Financial Services, LLC has an ownership interest in Virginia Statewide Title Services, LLC.

Any title insurance required as a condition for settlement of your loan or purchase, sale or refinance of the subject property is not required to be purchased from Virginia Statewide Title Services, LLC, and can be purchased from an agent or insurance company of the member’s choice. For VA residents only.

Business conducted with Virginia Statewide Title Services, LLC, is separate and distinct from any business with VACU. Virginia Credit Union, Inc. (VACU) is not responsible for products and services purchased through Virginia Statewide Title Services, LLC.