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Title insurance protects the policy owner against loss in the event that the property's title or legal ownership is something other than insured. It helps ensure that the property owner is assuming clear title for the real estate being purchased. Title insurance is different than other types of insurance in that it offers protection against past occurrences which could result in a claim as opposed to future incidents. Coverage continues for as long as you own the property.
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The Edge is a settlement program created through a joint venture between First Savings Mortgage and Monarch Title. Buyers must obtain their purchase financing through First Savings Mortgage and settle their transaction through First Savings Settlement Services (FSSS).
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We Are Committed to Safeguarding Customer Information
In order to better serve your needs now and in the future, we may ask you to provide us with certain information. We understand that you may be concerned about what we will do with such information—particularly any personal or financial data. We agree that you have a right to know how we will utilize the personal information you provide to us.
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To help prepare for settlement and ensure a smooth transaction, you can use our pre-settlement checklist for some important reminders:
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First American's Eagle Protection Owner's Policy offers expanded title coverage for owners of one-family to four-family residences, including condominiums. It provides more coverage automatically than any previous policy...affording homeowners with the superb protection of an ALTA Plain Language Owner's Policy plus other valuable protections.
Some coverages have never before been offered by any title insurer; some were previously obtainable only by endorsement; and some even provide post-policy protection. And all are in addition to the legal defense benefit always provided by title insurance, which affords protection to the homeowner without reducing the policy amount. There is an additional premium for the Eagle Policy, but the benefits are extensive:
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Buying a home is one of, if not the biggest purchases you will ever make. Our mortgage calculator can help you estimate your monthly mortgage payment before purchasing a home.
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The HUD-1 is a form used by the settlement agent to itemize all charges imposed upon a borrower and seller for a real estate transaction. It gives each party a complete list of their incoming and outgoing funds.
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Monarch Title, Inc. is recognized by the community as a leader in educating home buyers and real estate professionals alike on sales contracts and the settlement process. We offer an exemplary level of service to thousands of home buyers and sellers throughout the Washington area. Our staff of attorneys, settlement agents, processors, pre-processors and post-closing specialists looks forward to assisting you during this exciting time. We have provided you with this Home Buyer’s Guide as part of our ongoing efforts to ensure that every settlement we preside over is a pleasant and predictable process.
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The settlement process includes several key terms that you should familiarize yourself with. Review our list of the most commonly used keywords used in real estate settlement.
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Below are the fees that Monarch Title will charge for handling the settlement of your property. Please feel free to call any of our settlement agents for further clarification of these fees.
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 CrownQuote is a calculator which provides borrowers and others involved in the real estate transaction an opportunity to obtain a no-obligation, free estimate of anticipated closing costs (to include title insurance and closing fees).
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