Our Services

We provide title insurance policies as requested by the legal and real estate community. Upon request, we also furnish abstracts of title and record searches for foreclosures, litigation and other informational purposes.

A title insurance policy requires an extensive title search of the property. This search serves to minimize the possible liability to the property owners by discovering any potential title issues. Once a property owner purchases and takes possession of a property, the title insurance will protect against any litigation that challenges the validity and legal position of the new property owner.
If you are intending to purchase a property, it is a wise first step to know that the property has no defects of title. Therefore your attorney will most likely request a Title Abstract or an Abstract of Title. This is a summary giving details of the title deeds and documents that prove an owner's right to dispose of land, together with any encumbrances that relate to the property and activities that affect ownership. A free-and-clear title should have no obstructions or “clouds.” this provides that no other person or entity has a claim to the property. 

RPATS is highly experienced in the painstaking task of search, analysis and summarization of title for businesses and property purchasers all over New York State.
In the case of a prospective purchase, a record search is performed primarily to answer three questions regarding a property on the market:
Does the seller have a saleable and marketable interest in the property?
What kind of restrictions or allowances pertain to the use of the land? These would include real covenants, easements and other equitable servitudes.
Do any liens exist on the property which need to be paid off at closing? These would be mortgages, back taxes, mechanic's liens, and other assessments.

A record search may also be performed when an owner wishes to mortgage property and the bank requires the owner to obtain title insurance. 

Different municipalities enact codes for their district, defining what rules your property has to abide by in a specific city or state. RPATS is able to obtain municipal building, zoning and other code compliance information. This includes certificate of occupancy, violation searches, tax and assessment details.
We bring years of experience to the task of recording documents and filing papers in county clerk's offices throughout the State of New York.