Welcome to FSA Title Services!

We are a full service title company offering residential and commercial closing and title services at competitive pricing. FSA Title Services is built around our commitment to customer satisfaction. We are experienced title professionals dedicated to making you, the customer, our highest priority. FSA Title is committed to insuring your transactions with efficient and accurate title services. That’s our policy!

What Does FSA Stand For

FSA stands for – Fee Simple Absolute. Fee simple absolute represents absolute ownership of real estate. It is the most common way that real estate is owned.

We look forward to working with you!

Our experienced staff is well versed in the following areas:

• Residential transactions
• Commercial transactions
• 1031 Tax deferred exchanges
• Pre-foreclosure commitments and searches
• Construction loan closings and disbursing
• New construction closings
• Short sale and REO transactions
• Property and radius reports

inset_locationsTitle insurance is obtained by paying a one-time premium at closing. It protects the owner should title issues arise that were not discovered in the original title search. An owner’s title policy lasts as long as you own the property. There is also lender’s title insurance that ensures that your lender has a valid mortgage.

inset_homeA title company acts as the escrow agent during the closing. This experienced neutral party is in possession of the legal documents and funds. Buyers, sellers and lenders can safely interact with each other assuring no legal documents will be recorded and no funds will be released until all conditions of the purchase agreement have been met.

The buyer, borrower and sometimes the seller are expected to hand over money at closing. If you are required 
to bring funds you should bring a cashier’s check made payable to yourself or to your title company. If your check is made out for too much your title company will refund the overage. If not enough write a check for the difference.

corner-04An abstract gives a listing of every document recorded for a piece of property. It shows the history of your property. The modern trend is moving away from using abstracts as they are cumbersome to store and expensive to update. Most title companies use the property owner’s title insurance policy rather than an abstract to conduct the title search.

house moneyThe buyer brings the down payment minus any deposits. Often at closing, the lender requires the buyer to pay interest from the date of the loan closing to the end of the month. An escrow reserve may be established at closing if the lender is paying the buyer’s insurance and property taxes. The buyer will also pay for his/her portion of closing costs including lender fees, title fees and county fees and taxes.

corner-08It’s true. If a married individual owns a property and his/her spouse is not in title, the signature of both spouses is still required on the deed when selling.

corner-05What can you expect once you arrive at the closing, other than writer’s cramp? Most well-run closings last about an hour. However, unexpected issues may arise, so be sure that your schedule for the day is flexible. Be prepared, organized and ready to close.

There is a three day right of rescission whenever you refinance your primary residence. The law entitles you three days (excluding Sunday) to mull things over after you signed. You have the right to cancel the loan during this time. On midnight of the third day 
your loan documents become official. There is no right of rescission when you take out a loan for the purchase of a property.