DC METRO TITLE INSURANCE

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DC METRO TITLE INSURANCE

A title insurance policy is a contract of indemnity that promises to pay for a loss up to the face amount of the policy if the state of the title is different than ¡t is set out in the policy and if the insured suffers a loss as a result of the difference.
WHAT'S COVERED?

TITLE INSURANCE POLICY COVERAGE

A DC Metro title insurance policy should cover claims arising out of title “clouds” that could have been discovered in the public records and “non-record defects” not discovered in records after a complete search. The policy should protect the insured for as long as they, their heirs and devisees, hold title to the property. Purchasers of real estate can risk of serious financial loss due to title defects. Due to the many rights, claims, interests and encumbrances that US law recognizes in real property, ¡t’s important for the buyer to have a title search and examination performed before settlement in order to identify the nature of the title the seller can legally convey, along with the rights and interests of all other parties relating to that particular piece of property.
NOT COVERED

WHAT TITLE INSURANCE DOESN'T COVER

Title policies offer the only protection available against latent defects of title which do not appear of record such as forgery, impersonation, capacity of parties, faulty acknowledgments and mechanic’s and material-men’s liens
POLICY TYPES

LENDER AND OWNER POLICIES

Your lender will require DC Metro Title Insurance to cover the lender against the things mentioned above. This is called the Lender’s Policy. Policy issuers feel buyers should have title insurance for the same reasons. This type of coverage is called the Owner’s Policy. Owner’s policies are optional for buyers. Contact your title company for an explanation of this coverage, its term and cost.
ISSUER

WHO ISSUES TITLE POLICIES?

Your settlement company’s insurance underwriter issues DC Metro Title Insurance.

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My husband and I loved working with Susan and Alex. This was my 9th real estate purchase but the first time that I have used The Isaacs Team. They were the best agents I have worked with and I can not accurately describe how impressed we were! They were amazing and extremely detailed. They went over and above for us in neighborhood research, service, and contract negotiations. I found them to be extremely responsive, always available, and 100% competitent in their knowledge of the markets they serve. I was really impreseed by their extensive knowledge of the real estate contract. I must say that I was incredibly impressed. They made the process easy and held our hands through difficult negotiations. I will be their client for life!
Susan and Alex are superstar agents. There is no one else I’d want on my side of a real estate transaction. My wife and I first met Susan in 2010 when she helped us buy our first home, a condo. We were so impressed by her deep local knowledge, tenacious negotiating, 24/7 efforts on our behalf, and clear guidance on the home-buying process that we didn’t consider going with anyone else when we decided to buy a 3-BR in our dream neighborhood. We were not disappointed. After a few weeks, we found the perfect house at the perfect listing price. We knew it would be competitive, but Susan and Alex provided expert advice on how to make the offer, and in the end, we provided terms just attractive enough to end the process in our favor, but no higher than final appraisal and just above what their agent later admitted was their line. They also did a fabulous job of staging and selling our condo, which netted $30K over selling price after six strong offers during just two-days of being on the market. They get amazing results and are a blast to work with. 
Susan and Alex are superstar agents. There is no one else I’d want on my side of a real estate transaction. My wife and I first met Susan in 2010 when she helped us buy our first home, a condo. We were so impressed by her deep local knowledge, tenacious negotiating, 24/7 efforts on our behalf, and clear guidance on the home-buying process that we didn’t consider going with anyone else when we decided to buy a 3-BR in our dream neighborhood. We were not disappointed. After a few weeks, we found the perfect house at the perfect listing price. We knew it would be competitive, but Susan and Alex provided expert advice on how to make the offer, and in the end, we provided terms just attractive enough to end the process in our favor, but no higher than final appraisal and just above what their agent later admitted was their line. They also did a fabulous job of staging and selling our condo, which netted $30K over selling price after six strong offers during just two-days of being on the market. They get amazing results and are a blast to work with.
Susan not only worked hard to help my wife and me find the perfect place, she was a dogged (and effective) negotiator on our behalf once we zeroed-in. She knows the market and knows the area, but best of all she knows how to play hardball and get things done—exactly what we needed in an agent.
Susan not only worked hard to help my wife and me find the perfect place, she was a dogged (and effective) negotiator on our behalf once we zeroed-in. She knows the market and knows the area, but best of all she knows how to play hardball and get things done—exactly what we needed in an agent.
We expected an extremely stressful experience when we decided to sell our home of over 25 years and buy a condo, especially because we live nearly 3000 miles away, yet the Isaacs Team was beyond exceptional in their competent guidance, attention to detail, follow through, and simply doing what they said they would do. While other realtors said, "this is what you need to do;" this team said, "we can do this for you!" Our process was smooth and quick, and they designed a strategy and negotiated a sale well above our asking price; and a purchase price below asking - both in the same market. They are also a pleasure to work with in every respect. Please know that you can turn this difficult personal event over to true professionals and emerge with happy results and fast friends. We highly recommend this team in every regard.
Susan is sooo responsive–pretty much 24-7. She made what could have been a difficult situation very easy to navigate. I couldn’t have bought my property without her, I’m sure. I recommend Susan VERY HIGHLY. She is a delight to work with.
It would not be an exaggeration to say that Susan did the work of both the buyer’s and seller’s agent, spotting and solving problems using a powerful combination of intuition and experience. She brought her impressive professional network to bear on one problem to such great effect that the buyer’s lender gave me–the seller–a closing cost credit. When does that ever happen? 
Susan is a true client advocate who worked tirelessly on my behalf to ensure my purchasing goals were met. We hit some seller stumbling blocks along the way, and Susan used her experience and knowledge to ensure every box was checked on my behalf – She was my personal Bulldog. Her experience in the builder realm proved extremely valuable during the entire process.
Susan was an invaluable part of my new home purchase from beginning to end. She quickly understood what I liked, previewed properties and showed me homes that fit our criteria. She made herself extremely available through the process and worked with us through every aspect of the transaction. Susan was so much fun as an agent that she took the anxiety out of the home buying process. I would work with Susan again in a heartbeat.
In today’s market in this area, you cannot rely on luck to get you that perfect place or a great deal – you need to have an agent who knows the market cold, is aggressive, and effective – Susan is all of those things and more.
Susan responded immediately and impressed me with her patience and almost supernatural ability to find the perfect place for me despite some significant constraints (time, location, finances). I was not an easy case, but she never made me feel like I was a ‘burden’ or ‘not her first priority’. Above all, she treated me with respect and honesty.
In today’s market in this area, you cannot rely on luck to get you that perfect place or a great deal – you need to have an agent who knows the market cold, is aggressive, and effective – Susan is all of those things and more.
When a property popped up in a neighborhood that she and I had scouted, Susan was there within the hour and insisted it was worth us leaving work to check out. If we had a less responsive Realtor, I am convinced that we would not have our amazing house now. Susan’s advice is invaluable. You need a Realtor that knows her stuff. And Susan does!
Susan is knowledgeable, friendly and very responsive–she got back to us immediately to answer any of our questions at any hour. Even as first-time homebuyers who could be somewhat indecisive at times, she understood what we were looking for in a home, didn’t hesitate to answer our questions and always had our best interests in mind. Her warm, welcoming attitude and confident guidance really took the stress out of a process that, before we met Susan, we had assumed would be overwhelming and beyond our reach.

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