Mortgage Dictionary

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Title Insurance

Title insurance protects against liens and ownership problems that may arise after the mortgage is purchased. Many lenders require borrowers to buy title insurance to protect the lender.

Although this protects the lender, it usually does not protect the property owner. Therefore, it is a good idea for the property owner to get separate title insurance policy so that he/she is also covered. The cost to buy a separate policy for the property owner is often greatly reduced if this policy is purchased at closing.

See also:   Mortgage and Home Financing Costs