SHORE TITLE
has been providing title insurance services
for over 30 years to home buyers, lenders, attorneys, real
estate agents, and commercial customers. These services
include title searches, municipal lien searches, upper court
judgment searches, title insurance, and real estate
closings.
SHORE TITLE is an Agent of Commonwealth Land Title
Insurance Company, the nation's oldest title insurance
company, founded in 1876 in Philadelphia, Pennsylvania.
Commonwealth holds an A Double Prime Financial Stability
Rating from Demotech, Inc., the title insurance rating
firm's highest ranking for stability and substantial net
worth, an A+ Financial Strength rating from Duff & Phelps
Rating Company, and an A counterparty credit and financial
strength rating from Standard and Poor's.
SHORE TITLE has grown
from a single office to a multi-office organization.
Currently our six offices are located to provide optimal
service in all areas of Cape May County and parts of
Atlantic County. In addition, our out-of-office closers are
available to provide service throughout the state of New
Jersey.
All SHORE TITLE closing agents hold Insurance Producer
Licenses with Title Insurance Authority issued by the State
of New Jersey Department of Banking and Insurance. To obtain
and maintain this License one must attend at least 65 hours
of instruction in title insurance, pass a rigorous state
examination, and accrue continuing education credits on an
ongoing basis.
SHORE TITLE provides its customers and clients with the
best possible SERVICE and the highest level of
PROFESSIONALISM.
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 What is Title Insurance?
Title insurance is protection for the lender--and the
buyer--against defects in the title (deed) of a property.
Just because you purchase a home, got to settlement and move
in does not mean that what you have purchased, title-wise,
is what you thought you were purchasing. Title problems can
arise that could affect the future value and marketability
of the property. Some examples of problems that can arise
with titles include:
- An unknown or undisclosed heir with claims against
the property.
- A forged deed.
- Public record errors.
- Undisclosed liens.
- Undisclosed encumbrances.
- Fraudulent acts.
- Easements.
What is a Title Examination, or Title Search?
It's a close examination of all public records that
involve title to the real estate you are purchasing. The
person conducting the search looks at past deeds, wills, and
trusts to make sure the title has passed correctly to each
new owner. The examiner tries to verify that all prior
mortgages, judgments, and other liens have been paid in
full.
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