Real Estate Title and Settlement Services
A seamless closing experience for every client.
Allegany Garrett Titles & Settlements provides a full suite of real estate title and settlement services for homebuyers, sellers, lenders, and real estate agents throughout Maryland. Each of our services is designed to protect your investment, verify property ownership, and ensure a smooth transaction from contract to closing table. Learn more about each service below.
Services We Offer:
Title Insurance
Title insurance protects property owners and lenders from financial loss caused by defects in a property's title history. Hidden issues such as undisclosed liens, recording errors, or competing ownership claims can surface months or years after a purchase. A title insurance policy provides coverage against these risks, giving you confidence that your ownership is legally secure. Our team works with leading underwriters to issue both owner's and lender's title insurance policies for residential and commercial properties.
Title Search & Examination
A title search is a thorough review of public records to verify a property's legal ownership and uncover any encumbrances that could affect a transaction. Our examiners review deeds, mortgages, court judgments, tax records, and other filings to confirm that the seller has clear authority to transfer the property. A detailed title examination is a required step before any title insurance policy can be issued and is essential for protecting both buyers and lenders.
Settlement & Closing Services
The settlement is the final step in a real estate transaction, where ownership officially transfers from seller to buyer. Our settlement team coordinates every detail of the closing process icluding preparing documents, calculating final figures, managing disbursements, and ensuring all parties fulfill their contractual obligations. Whether you are closing on a first home, a refinance, or a commercial property, we handle every aspect so the process is accurate, compliant, and stress-free.
Escrow Services
Escrow is a neutral holding arrangement where funds and documents are managed by a third party until all conditions of a real estate agreement are met. Our escrow services ensure that earnest money deposits, down payments, and closing funds are held securely and disbursed only when every requirement has been satisfied. This protects both the buyer and seller throughout the transaction, providing accountability at every stage.
Why Work With Allegany Garrett Titles & Settlements?
Every real estate transaction deserves the highest level of care and professionalism. Whether you are purchasing your first home, upgrading to a larger property, or investing in commercial real estate, our team delivers accurate, timely, and legally compliant title and settlement services. We work closely with buyers, sellers, lenders, and real estate agents to make every closing as straightforward as possible.