Introduction

You’ve found the perfect home, made an offer, and now you’re counting down the days until closing. But what if a title issue pops up and throws everything off track? Title problems are one of the most common causes of closing delays, and in some cases, they can even derail the entire deal. From unpaid debts to ownership disputes, here’s what you need to know about how title issues can impact your closing—and how to prevent them.

Common Title Issues That Can Delay Closing

1. Unpaid Liens or Judgments
If a previous owner had unpaid property taxes, contractor bills, or legal judgments, those debts don’t just disappear. They’re tied to the property, which means they must be resolved before the sale can move forward. Many buyers don’t even realize these issues exist until a title search uncovers them.

2. Errors in Public Records
A simple clerical mistake—like a misspelled name or an incorrect legal description of the property—can cause major headaches when it’s time to close. These errors often require corrections from local government offices, which can add unexpected delays.

3. Undisclosed Heirs or Ownership Disputes
If a past owner passed away without a properly settled estate, an undiscovered heir could step forward and claim rights to the property. This can lead to legal battles and months-long delays. Even disputes over past ownership can create obstacles, making title insurance a crucial layer of protection.

4. Easements or Restrictions You Didn’t Know About
Some properties have existing easements, meaning a third party—like a utility company or a neighbor—has legal rights to use part of the land. If these weren’t disclosed upfront, it could create unexpected complications about what you can and can’t do with your property.

5. Fraud or Forged Documents
Unfortunately, fraud happens. Cases of forged deeds or fraudulent property transfers sometimes come to light after a home goes under contract. If a past owner’s signature was forged on a key document, the property’s title may not be legally valid—meaning it needs to be sorted out before you can close.

How to Prevent Title Issues from Holding Up Your Closing

While some title problems are unpredictable, there are steps you can take to minimize the risk of delays:

• Work with a trusted title company that will conduct a thorough title search before closing.
• Address potential title issues as early as possible to prevent last-minute surprises.
• Purchase title insurance to protect yourself against hidden risks that might come up after closing.

By being proactive, you can avoid frustrating delays and ensure a smooth home-buying experience.

Conclusion

Title issues are one of the biggest culprits behind delayed closings, but with the right team and preparation, they don’t have to ruin your home-buying plans. Whether you’re buying or selling, working with an experienced title company is the best way to keep your closing on track. If you want to ensure a smooth transaction, contact All Seasons Title today—we’re here to help make your closing process seamless and stress-free.