We can perform any of our title searches on commercial properties in most of the areas that we cover. Commercial searches are quoted on an individual basis.

As with all of our services, we promise a prompt and professional result, delivered to you in the desired format.

We provide parcel and all pertinent tax information on a property.

Current owner search involves searching for the details of the present title holder of the subject property and the latest deed with consideration.

Search done by searching from the current date backward. Details like Vesting Deed, Current Tax status, county assessment information, open mortgages, judgments, liens, and legal description will be captured.

This search is usually done for origination of Home Equity transactions, short sale, foreclosure auctions, and pre-tax auctions.

A search that goes back to the two FVD and each deed in the chain that was recorded since the FVD must be reviewed to verify that the title passes to the current owner and two owners of record.

The names of the grantees in the FVD's (current owner & two owners) and all subsequent title holders must be run for general liens, such as judgments and federal tax liens for the full statutory period applicable for that state. If a party is listed on a refinance order that does not appear on the FVD, then the name(s) must be run for liens and judgments like any other owner.

In addition, all defects, liens, and encumbrances specifically referred to in the documents revealed in the search must be reported as exceptions, unless properly disposed of. Where the subject property is located in an area where mineral conveyances and reservations are common, all such conveyances and reservations must be specifically excepted from the legal description.

We customize our property title searches to meet your needs, but always search the following:

• Deed information back to an arms length transaction.
• All voluntary encumbrances that have not been released.
• All involuntary encumbrances that have not been released, including state and federal tax liens, mechanics liens, judgments affecting the property, UCC fixtures relating to the property, etc.
• Parcel information, current taxes, due dates, paid status, delinquent taxes and payoff dates. Tax bills and taxing authority information can be provided upon request.
• County effective dates.
• Foreclosure searches provide the original complaint information and docket, plus any pertinent filings depending upon how how far the case has progressed.
• Copies are charged at a pass through, and only the specific copies requested are provided.

We'll search from the prior owner forward and show all deeds in chain of title, not stopping at a Quit Claim deed, but going back to a good vesting deed.

To Check the Full Value Deed to Start the Search, and to provide Chain of Title.

A Deed search is a review of all recorded deeds on a specific parcel of land to determine the history, ownership and liens of that land. This search is conducted at the local county recorder’s office. When the search is completed you receive either a chain of title or a abstract of title.

A chain of title is a list of each recorded document that pertains to the property. An abstract is a copy of every document in the order they were recorded.

There are many instances when you may want a search. If you are buying property at a tax sale or without title insurance you need one. If you plan on subdividing or developing land it may be helpful also.

We also perform an update search on the subject property from the date of the last search to the current date

A report is provided on all the documents posted and recorded during the period.

A Full Search is a search that provides the current vesting deed and all prior deeds leading back 60 years or to a developer. Also included are copies of any open mortgages and assignments against any owners who have had ownership of the property in the past 60 years, any judgments and liens against those same owners, and also tax assessment and current tax information including any delinquencies.

Also called Owners & Encumbrance Search (O&E), Attorney's Search, Last Owner Search, Refinance Search

A Full Search is a search that provides the current vesting deed and all deeds leading back 60 years or to a developer. Also included are copies of any open mortgages and assignments against any owners who have had ownership of the property in the past 60 years, any judgments and liens against those same owners, and also tax assessment and current tax information including any delinquencies.

This includes a copy of any specific document such as a deed, mortgage, or lien. Please provide as much detail as possible to help us locate the document quickly and accurately.

After examining the mortgage/deed of trust for compliance with recording requirements, i.e., acknowledgement, proper fees, appropriate legal description, signatures, et cetera, we will perform a bringdown search from the effective date of our original search up to the day of recording.

Appraisal Report contains the appraised value of the real estate for which the borrower is to be granted a loan. This report is provided by certified Appraisers. We have a appraisal review team is one of the more resource-intensive tasks performed during the course of the mortgage process. The experienced underwriters at VK DATA closely review every appraisal to help ensure that the collateral is adequate for the mortgage and that there are no critical issues with the property that would affect its value.

This is the claim that allows a creditor or lender upon the lands of a debtor. Normally it is a defaulted amount which is not paid

Types of Lien:

• Federal tax lien
• Mechanic’s lien
• Hospital lien
• Home assessment lien
• Condominium lien
• Municipal or County lien

FEDERAL TAX LIEN:

If the person has not paid the delinquent taxes then the concern department files a lien on his property.

MECHANIC'S LIEN

If the property owner doesn’t pay the money for owners and labors payment.

HOSPITAL LIEN

If a person has not paid his treatment charges in hospital then that defaulted amount will come under hospital lien.

HOME ASSESSMENT LIEN

A Homeowner’s Association Lien is generally filed by the homeowner’s association for failure of the borrower to pay assessments due for common area maintenance or recreation facilities.

CONDOMINIUM LIEN

A Condominium Association Lien would be filed by the CondominiumAssociation, generally for failure of the borrower to pay assessments due for common area maintenance or recreation facilities.

MUNICIPAL OR COUNTY LIEN:

A municipal or county lien is one which is filed by the city and or county supplying services, such as water and sewer, to the property which have not be paid.

One of the most important parts of the title search is to determine if there are any unsatisfied judgments against the seller or previous owners property which were in existence while they owned the title. A judgment is a general lien against the debtor's real estate and constitutes security for any money owed under the judgment. The real estate can be sold to satisfy the judgment.

It is extremely important to be sure that a title is not subject to judgments against the seller or previous owners.

To check if there is any Judgments against the borrower by using the www.lexisnexis.com and upload the search docs in the file.

To check if there is any Bankruptcy filed against the borrower by using the PACER site and upload the search docs in the file.

We type or property reports in your software. We are also acquainted with Gator(R), SoftPro(R), RamQuest(R), TitleExpress(R), AIM(R). If required we can also remotely connect to your server and do data entry directly into your software using a secured leased line. Our Turn Around time is faster than any other clients, we believe in quality and commitment.