Welcome to Galaxy Settlements - Your Trusted Title Company in Maryland and Pennsylvania

In search of an experienced Title Company for your Real Estate transaction in Maryland or Pennsylvania?

Your search ends right here, at Galaxy Settlements!

As a locally owned and operated business, we proudly offer unparalleled Real Estate Settlement Services to Home Buyers and Home Sellers in the region.

Whether it's a new home purchase, property refinancing, or any other Real Estate endeavor, we've got you covered.

Leveraging over 20 years of experience, our team, led by a seasoned Real Estate Attorney, is fully equipped to handle intricate transactions.

At Galaxy Settlements, we're dedicated to providing cost-effective and efficient Title Services while maintaining the highest standards of quality, ensuring top-tier Title Insurance Services.

Your convenience is our priority.

Choose your closing location, whether it's at one of our offices, your Real Estate Agent's office, or the comfort of your home.

Discover how Galaxy Settlements can assist with your Real Estate Settlement Service needs.

Call us at 443-320-4100 and set off on a successful real estate journey.

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Galaxy Settlements: Title Insurance FAQs

Galaxy Settlements provides essential title insurance information. Get protected from ownership disputes and other hidden risks. Read our FAQs to learn more.

What is Title Insurance?

Title Insurance is a policy that protects the buyer's ownership rights to a piece of real estate. It provides a detailed description of the property and any limitations to the buyer's ownership. This insurance guarantees that the property being purchased is free from any undisclosed liens, ownership disputes, or other clouds in title.

Why is Title Insurance Necessary?

Title Insurance is necessary because when purchasing a property, there is always a risk of encountering issues with the title, which can lead to costly legal battles. Title Insurance provides a layer of protection for the buyer, ensuring that their investment is secure.

What Risks Does Title Insurance Cover?

When you acquire your Owner’s Title Insurance Policy for your Real Estate from Galaxy Settlements it will protect you from a wide variety of hidden risks, including mistakes in recording legal documents, forged deeds, releases or wills, undisclosed or missing heirs, deeds by mentally incompetent persons or minors, deeds executed by invalid or expired power of attorney, fraud, liens for unpaid taxes, and undisclosed but recorded federal or state tax liens, prior mortgages, judgments, or lawsuits affecting the land. Trust Galaxy Settlements to safeguard your investment with comprehensive title insurance coverage.

How Long Does Title Insurance Last?

An Owner's Title Insurance Policy remains in effect for as long as the buyer or their heirs have an interest in the property. At Galaxy Settlements, we provide Title Insurance Policies that can protect your investment for as long as you own the property.

Who pays for Title Insurance?

Typically, the buyer is responsible for paying for Title Insurance. However, in some cases, the seller may agree to pay for it as part of the sale negotiations.

What is the difference between Lender's Title Insurance and Owner's Title Insurance?

Lender's Title Insurance protects the lender's interest in the property, while owner's Title Insurance protects the buyer's ownership rights. Most lenders require borrowers to obtain lender's Title Insurance, but it's up to the buyer to decide whether or not to purchase owner's Title Insurance.

How is the cost of Title Insurance determined?

The cost of Title Insurance varies depending on the state, the property's value, and the Insurance company. In most cases, the cost is based on the property's purchase price. It's a one-time fee paid at closing.

Can Title Insurance be transferred to a new owner?

No, Title Insurance is not transferable. If you sell your property, the new owner will need to obtain their own Title Insurance policy.

What happens if a title issue arises after the sale has closed?

If a title issue arises after the sale has closed, the buyer can file a claim with their Title Insurance company. The company will investigate the claim and may provide legal representation to defend the buyer's ownership rights. If the claim is valid, the Title Insurance company will compensate the buyer for any financial losses incurred as a result of the issue.

Is Title Insurance required by law?

Title Insurance is not required by law, but it is often required by lenders as a condition of the mortgage. It's up to the buyer to decide whether or not to purchase owner's Title Insurance.

When should I purchase Title Insurance?

Title Insurance should be purchased at the time of the property's purchase, as it provides coverage for any issues that existed prior to the sale.

What is a Title Search, and how does it relate to Title Insurance?

A title search is an examination of public records to determine the ownership history and any liens or encumbrances on a property. Title Insurance companies typically conduct a title search before issuing a policy to identify any potential title issues.

Can I choose my own Title Insurance company?

In the vast majority of cases, buyers have the right to choose their own Title Insurance company.

What if I already purchased a property without Title Insurance?

If you purchased a property without Title Insurance, you may be at risk for any title issues that existed prior to the sale. It's possible to purchase Title Insurance retroactively, but it can be expensive and difficult to obtain. It's best to obtain Title Insurance at the time of purchase to ensure your ownership rights are protected.

What is a title defect?

A title defect is any issue that affects the ownership rights of a property. Common title defects include unpaid taxes, liens, encroachments, and missing heirs.

Does Title Insurance cover zoning issues?

Title Insurance typically does not cover zoning issues. It only covers issues related to the ownership of the property.

What is a quiet title action?

A quiet title action is a legal proceeding used to clear any defects or claims to ownership of a property. It is typically used when there are multiple ownership claims or other title issues.

Can I purchase Title Insurance for a property I inherited?

Yes, you can purchase Title Insurance for a property you inherited. It's a good idea to obtain Title Insurance even if you inherited the property, as it can protect you from any title issues that may have arisen prior to your ownership.

What happens if I sell my property before the title issue is resolved?

If you sell your property before the title issue is resolved, the issue may transfer to the new owner. It's important to resolve any title issues before selling a property to avoid legal disputes or financial losses.

Does Title Insurance cover boundary disputes?

Title Insurance may cover boundary disputes if the dispute arises from a title issue. However, it may not cover disputes related to survey or boundary line disputes.

What is the difference between Standard and Enhanced Title Insurance?

Enhanced Title Insurance provides additional coverage beyond the Standard Policy, such as protection against zoning violations, building permit violations, and post-policy forgeries. It is typically more expensive than a standard policy.

Does Title Insurance cover defects that arise after the sale?

No, Title Insurance only covers defects that existed prior to the sale. It does not cover issues that arise after the sale.

Can Title Insurance be canceled?

Title Insurance can be canceled before the sale closes, but once the sale is finalized, the policy cannot be canceled. Remember, it is a one-time cost so once you have the policy, it covers you and your heirs throughout the course of the entire length of ownership.

Who should I contact for for guidance on Real Estate Closings and questions about obtaining Title Insurance?

You can always rely on the team at "Galaxy Settlements" to answer all of your Real Estate Closing and Title Insurance questions. Contact us today at admin@galaxysettlements or call us directly at 410-320-4100 so we can get all of your questions answered quickly!

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Thank You For Your Interest in Galaxy Settlements!

Our expert team is here to provide exceptional title insurance and settlement services, and make the process as smooth as possible.

Whether you're a Home Buyer, a Home Seller, Real Estate Agent, Lender, or Attorney, we're here to assist you every step of the way.

Please use this form to get in touch with us, and we'll provide personalized support and answer any questions you may have.

Choose Galaxy Settlements, a Title Company dedicated to your closing needs!

Galaxy Settlements, Inc.

Main Phone: (443)320-4100 Main Email: admin@galaxysettlements.com

Your Trusted Title Company for Seamless Real Estate Closings

Your Trusted Title Company for Seamless Real Estate Closings

Welcome to Galaxy Settlements - Your Trusted Title Company in Maryland and Pennsylvania

Real Estate Services

Home Buyer Services

Home Buyer Services

Home Buyer Services

Realtor™ Services

Home Buyer Services

Home Buyer Services

Lender Services

Home Buyer Services

FSBO - For Sale By Owner Services

FSBO - For Sale By Owner Services

FSBO - For Sale By Owner Services

FSBO - For Sale By Owner Services

Investor and Commercial Services

FSBO - For Sale By Owner Services

Investor and Commercial Services

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Meet Our Team

Justin Alex

Jennifer Criswell

Jennifer Criswell

Jennifer Criswell

Jennifer Criswell

Jennifer Criswell

Jamie Buser

Jamie Buser

Jamie Buser

Chawn Gehr

Jamie Buser

Jamie Buser

Maryland Office

Galaxy Settlements - Timonium, MD

Pennsylvania Office

Galaxy Settlements - Stewartstown, PA

Galaxy Settlements: Title Insurance FAQs

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Galaxy Settlements, Inc.