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Complete Title Insurance Policies
Title insurance policies are a contract of "indemnity". The policy will protect you against any hidden title hazards for as long as you own the property. Remember that the title process has many potential pitfalls that can go wrong that can affect clear title to the property, like clerical mistakes in the public records, previously undisclosed heirs with claims against the property, and a forged deed that transfers no title to real estate. That is why you need for us to find you a title company that has the experience, knowledge and financial backing of Fidelity Commercial Services. We can help you fix past title defects and secure your most important investment for the future.
Short Form Insurance Policies
The Short Form Policy is a one-page condensed version of the standard title policy, showing only the information required by ALTA. It can be issued at the time of closing and does not provide recording information concerning the insured mortgage. You could have many benefits and savings just by amending your closing instructions to use the Short Form Title Policy. You no longer have to wait for the final loan policy with the recording information. The recorded mortgage with the information is returned to you by the county Register of Deeds.
If you are interested and want to learn more about this policy, please give as a call at (248) 642-1115.
This search will provide you with current real estate property taxes, any special assessments, any federal or state tax liens and the presumed deed holder to the property. Please do not try to use this information in place of a title policy. You are not receiving any title insurance, and it holds no grounds in a court of law.
If you are interested in learning more about an environmental search, please call our president, Harry S. Ellman, at (248) 642-1115.
Full Escrow Department
Fidelity Commercial Services is a licensed escrow holder, which can securely hold deeds, funds and other important legal documents on behalf of the buyer and seller. Our escrow officers are experienced and trained in real estate procedures for deeds, taxes and title insurance. If you're looking for professional escrow services to obtain approvals from the buyer on the title insurance report and pest and other inspections; disburse funds for title insurance, recordation fees, real estate commissions, and lien clearances; gather deeds and loan documents for the records; and close the escrow transaction, Fidelity Commercial Services has the experience to do all that and more.
Ask us about the interest-bearing escrow account that we can set up for you through our lending institution. We offer this service for certain transactions that are in some type of litigation during the title process transaction.
For more information, contact Harry Ellman at (248) 642-1115.
Mortgage Foreclosure Commitments
Fidelity Commercial Services obtains Mortgage Foreclosure Commitments as a courtesy to our lender customers without charging an expensive fee for the service. These commitments include a complete search of the property, stating any open mortgages, tax liens, divorces, etc. We can provide copies of all documents, upon request. We are a service oriented company that takes pride in the work we provide to our customers. For more information, contact our President and General Counsel, Harry S. Ellman, at (248) 642-1115 or e-mail him at .
For more new construction information, contact our President and General Counsel, Harry S. Ellman at (248) 642-1115 or e-mail him at .
Data Trace Services
Document Preparation Services
With software designed specifically for our needs, we can successfully get you where you need to be in your transaction. If you need a title company to give you correct documentation in a timely fashion, Fidelity Commercial Services is your solution.
Professional Closing Services
Upon request, Fidelity Commercial Services will close at your location. Please call us for details.
A 1031 Exchange is an exchange of property held for productive use in a trade or business or investment for other "like kind" property. This exchange benefits any taxpayer who has recognizable gains in qualifying property on which he or she will pay capital gains tax. We strongly suggest you consult with your tax advisor to determine the actual tax benefit to you. If you are interested in this unique service, please feel free to contact our President and General Counsel, Harry S. Ellman, at (248) 642-1115 or e-mail him at .
32100 Telegraph Road, Suite 215
Bingham Farms, MI 48025
(248) 642-1115, (248) 642-0935 Fax