FAQ #12 for Buyers: What is a Title Opinion?

Real Estate Agent with Cedar Rapids/Iowa City, IA KW Legacy Group S44645

This question usually comes up after we have met with the lender.  This will be a charge that is between $175.00-$225.00 and it will be listed as one of the closing costs on your good faith estimate from the lender.

What is a Title Opinion?

Title Opinion is the opinion of the title to the property that is researched by an attorney.  In the state of Iowa, we use an abstract which is the history of the property from the land that goes back to prior to the addition of any improvements.

In the state of Iowa, the title attorneys use the abstract along with title guaranty to insure that there are no liens or judgments against the property that will keep the property from having a clear title

The seller is required to pay for the abstract continuation from the time that they have owned the property.  After the abstract is continued, the title opinion is ordered and completed. 

After the closing has occurred and the deed has been recorded, the abstract will then be updated to provide the new owners' information (buyers) prior to being placed back into storage. 

When you purchase a home, your lender will order a title opinion to be completed to make sure that your new mortgage is the only lien against the property.  There should be no tax liens, mechanics' liens, or other mortgages that the seller did not disclose.  Call me for your free home consultation and we will go over the entire process of buying a home in Cedar Rapids or the surrounding area.  Visit my website at www.KarenFeltman.com for more information!

Keep smiling!




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Karen Feltman, REALTOR®, ABR, AHS, CHMS,                                                                      CNE,CRS, e-Pro, green, GRI, SRES, TRC

Keller Williams Legacy Group

4850 Armar Drive SE Ste B

Cedar Rapids, Iowa 52403

Email: karenfeltman@gmail.com

Mobile  319-521-0701


Licensed in the State of Iowa

© 2010-2018 by Karen Feltman, Cedar Rapids/Iowa City Relocation Specialist 


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Relocation Specialist in Cedar Rapids, Iowa
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