Quick Answer
DFW title problems can often be resolved through documentation, underwriting, or legal action depending on the specific issue. Common problems in the Dallas-Fort Worth area include old mortgages that were paid but never released, gaps in the chain of title, heirship issues from unprobated estates, judgment liens from prior owners, and tax sale complications. 1st Option Title was built specifically for these types of title challenges.
Title problems affect properties throughout the Dallas-Fort Worth metroplex. Whether you are buying a home in Garland, investing in a fix-and-flip in Dallas, or developing land in Frisco, title issues can arise that threaten the transaction. 1st Option Title was founded by Scott Horne, a title attorney and investor who experienced these problems firsthand and built a company dedicated to solving them.
Common DFW Title Problems
Old Unreleased Mortgages
One of the most common title problems in DFW is an old mortgage that was paid off but never formally released from the county records. The lender may have gone out of business, been acquired, or simply failed to record the release. These typically can be resolved through documentation or underwriting approval. Learn what happens when a mortgage was paid but never released.
Chain of Title Gaps
When a deed was never recorded or a prior owner's interest was not properly transferred, a gap appears in the chain of title. This is common in family transfers, older properties, and estate situations. Affidavits, corrective deeds, or legal proceedings may be needed to fill the gap.
Heirs and Probate Issues
When a property owner dies without proper probate, the chain of title may not reflect who actually inherited the property. This is especially common in Dallas County with properties held within families for generations. Learn what happens when an owner dies before selling.
Judgment Liens
Judgments against prior owners can attach to property and cloud the title. In some cases, the judgment may have expired or been paid without being formally released. The curative approach depends on the age and status of the judgment.
Tax Sale Complications
Properties acquired through tax sales or tax liens in Dallas County may have complicated title issues related to the validity of the tax proceeding, redemption rights, and junior lienholders.
1st Option Title's Approach to DFW Title Problems
1st Option Title does not guarantee that every title problem can be cured or that every transaction can close. But we provide a thorough review and honest assessment. When another title company says no, we want to see the file. Submit a difficult title file for review.
Property Research Before Problem Resolution
Before engaging in a transaction with known or potential title issues, research the property with a free Property DNA Report. A Property DNA Report is not title insurance, a title commitment, a title search, or a legal ownership opinion.
For comprehensive guidance on title problems, visit our Title Problems and Curative Solutions resource center.
FAQs
Does 1st Option Title handle title problems other companies won't?
This is exactly what 1st Option Title was built for. We review files that other title companies have turned away and provide an honest assessment of what may be possible. Learn about our approach to difficult title files.
How much does it cost to cure a title defect in DFW?
The cost varies widely depending on the specific defect, the documentation needed, and whether legal action is required. Contact our team for a discussion of your specific situation.
Can a title defect stop a DFW real estate transaction?
Some title defects can delay or prevent a transaction from closing. Others can be cured or insured over, depending on the nature of the defect and underwriting guidelines.