Areas of Practice

• Residential Real Estate Purchases and Sales

• Commercial Real Estate Purchases and Sales

• Construction Loan Transactions

• FSBO Closings

• Residential Refinancing

• Certificates of Title

• Real Estate Document Preparation and Recording

• Title Curative Actions

At M&A Title Services, we aim to make your real estate closing as convenient and enjoyable as possible through professional, friendly service. Our experienced real estate attorneys provide thorough title examinations and focus on communication to eliminate any last minute surprises. We are dedicated to closing your real estate transaction quickly, correctly, and economically.

For information regarding your next closing, contact us at us info@matitleservices.com, or 601-952-1200.

What is Title Insurance? The purchase of a home is a very large investment and one worth safeguarding. Title insurance assures that your rights and interests in the property are as expected, that the transfer of ownership is completed in an efficient manner and that you receive protection from future claims against the property. It's the most effective and least expensive way to protect your ownership rights.Because land endures over generations, many people may develop rights and claims to a particular property. The current owner's rights - which often involve family and heirs - may be obscure. There may be other parties (such as government agencies, public utilities, lenders or private contractors) who also have 'rights' to the property. These interests limit the 'title' of any buyer.Before your real estate transaction closes, the title company performs an extensive search of all recorded documents related to the property. These records are then examined by experienced real estate attorneys to determine their effect on the current status of ownership. This through examination generally allows any pending title problems to be identified and cleared prior to your purchase of the property.

However, even after the most careful research, some title flaws may go undetected due to forgery, fraud, defective deeds, etc. These problems may surface at any time in the future.Protection against these flaws and other claims is provided by the title insurance policy, which is issued after your transaction is complete. Two types of policies are routinely issued at this time: an 'owners policy' which covers you, the homebuyer for the full amount you paid for the property; and a lender's policy which covers the lending institution over the life of the loan. When purchased at the same time, you can obtain a substantial discount in the combined cost of an owner's and a lender's policy. Unlike other forms of insurance, your title insurance policy will be issued for a one-time premium for a policy to protect you and your heirs for as long as you own the property. There are no renewal or monthly premiums or expiration dates.Each policy is a contract of 'indemnity'. It agrees to assume the responsibility for legal defense of your title for any defect covered under the policy's terms and to reimburse you for actual financial losses up to the policy limits.

Associations and Affiliations