Knoxville’s Trusted Real Estate Resource
Crossland Title, Inc. – Integrity, Experience, and Exceptional Service
For more than 36 years, Crossland Title, Inc. has proudly served the greater Knoxville area, offering unmatched expertise in title services and real estate closings. Established by industry veterans Pam Rice and Beth Crox, Crossland Title has built a reputation grounded in professionalism, personal service, and unwavering integrity. As a locally owned and operated title agency, our mission is simple: to provide every client with accurate, efficient, and dependable title solutions that instill confidence throughout the real estate transaction process. Read on: Knoxville’s Trusted Real Estate Resource…
We understand that purchasing or refinancing a property is one of the most significant financial decisions you will make. That’s why our knowledgeable and service-oriented staff is committed to guiding clients through each step of the closing process. Whether you’re a first-time homebuyer, seasoned investor, or mortgage lender, you can rely on our dedication to transparency, efficiency, and accuracy.
At Crossland Title, Inc., we don’t just complete transactions — we build long-term relationships based on trust and results. We are honored to be a part of your real estate journey and are eager to continue earning your business through exceptional service.
Your Questions Answered: Understanding Title Insurance and Closing Services
What Is Title Insurance?
Title insurance is a specialized form of indemnity insurance that protects against financial loss due to defects in a property’s title. These defects can include errors or omissions in public records, undisclosed heirs, forgery, fraud, or other issues that may not surface during the title search process. Title insurance ensures that both buyers and lenders are protected from unforeseen complications that could jeopardize property ownership or investment security.
There are two primary types of title insurance policies:
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Lender’s Policy: This is typically required by institutional lenders as a condition for issuing a mortgage. It protects the lender’s interest in the property, ensuring that the mortgage is a valid lien and that the property can serve as proper collateral for the loan.
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Owner’s Policy: This optional but highly recommended policy protects the buyer’s interest in the property. Unlike the lender’s policy, it provides direct protection for the homeowner against any title issues that may arise after the closing.
While a lender may not require an owner’s policy, opting for this additional protection can offer peace of mind and long-term security. It’s a one-time purchase that lasts as long as you or your heirs retain an interest in the property.
What Will My Closing Costs Be?
Closing costs are the collection of fees and charges due at the end of a real estate transaction. These costs vary widely based on the specifics of the transaction, property location, loan type, and the service providers involved.
Some common components of closing costs include:
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Title insurance premiums
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Escrow fees
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Notary fees
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Recording fees
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Transfer taxes
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Loan origination fees
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Appraisal and survey charges
Your settlement agent or closing attorney will provide you with a detailed breakdown of your expected closing costs. Additionally, your lender will issue a Loan Estimate (LE) early in the mortgage process, which outlines estimated costs and fees. While this estimate is a helpful guideline, it’s important to remember that final costs may vary depending on actual third-party charges and services rendered.
At Crossland Title, Inc., we pride ourselves on transparent, accurate, and timely communication. We work closely with all parties involved in the transaction to ensure a smooth and surprise-free closing experience.
How Does Title Insurance Protect Me?
A title insurance policy offers robust protection against a wide array of potential issues, including:
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Hidden Title Defects: These may include forged signatures, undisclosed liens, errors in public records, or improper legal descriptions that were not detected during the initial title examination.
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Legal Costs: Should a title dispute arise, your title insurance policy covers the legal expenses necessary to defend your ownership or lender’s lien in court.
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Loss Coverage: In the event that a claim is upheld and your ownership is compromised, the policy may reimburse you for financial losses up to the coverage limit.
Title insurance is issued after a comprehensive title search is conducted. This search involves an in-depth examination of public land records, legal filings, easements, restrictions, and any encumbrances that might affect the property’s title. Despite the thoroughness of this process, some risks can still remain — which is why title insurance is so valuable.
Coverage duration is another key advantage. An owner’s title insurance policy remains in effect for as long as you own the property. A lender’s policy continues as long as the loan is in effect or until it is paid in full.
Why Choose Crossland Title, Inc.?
Choosing the right title company can make all the difference in your real estate transaction. At Crossland Title, Inc., we combine decades of experience with personalized service to deliver dependable and stress-free closing experiences. Our clients choose us for our:
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Local Expertise: With over three decades of serving East Tennessee, we understand the nuances of the local market and legal landscape.
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Customer-Centric Approach: Our team is committed to providing clear communication, proactive problem-solving, and a seamless transaction experience from start to finish.
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Comprehensive Services: We offer full-service title and escrow support, including document preparation, title searches, notary services, and settlement coordination.
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Strong Reputation: Built on integrity and professionalism, Crossland Title is proud to have earned the trust of homeowners, real estate professionals, and lending institutions alike.
Whether you’re buying your dream home, refinancing an existing mortgage, or handling a commercial property transaction, Crossland Title, Inc. is here to protect your investment with diligence and care. We go beyond the paperwork — we safeguard your peace of mind.
Contact Us Today
Don’t leave your real estate transaction to chance. When you partner with Crossland Title, Inc., you gain a dedicated team of professionals focused on delivering reliable, accurate, and timely service. Contact us today to schedule your closing or consultation. Let us show you why we are Knoxville’s trusted resource for title and escrow services.
Crossland Title, Inc.
Where experience meets integrity — every time.
