First Imperial Title Services
Integrity. Experience. Excellence.
Services
Working with us
First Imperial Title Services is a full-service title and escrow company. Working with properties in Kentucky and Indiana, our full range of residential and commercial services include:
Residential & Commercial Closings
Owner's & Lender's Policies
Title Opinion Letters & Property Reports
Investment & Wholesale Closings
What Our Clients Are Saying
Very professional and thorough
Very professional and thorough. Quick response. Able to navigate difficult title flaws. Highly recommend.
Best experience at a title company
Very conscious of all pandemic precautions
We did our refinance closing here and they were great. Very conscious of all pandemic precautions (hand washing area, hand gel, individual packets with take home pens etc) and, bonus for us, on Fridays they have “take home” with samples from local businesses. On the day we were there we got individual Bundt cakes! It’s the extras ya know? Everyone was very nice and extremely professional. We were in and out painlessly.
Very welcoming, nice, and supportive
They were very welcoming, nice, very supportive, and explained everything to you to make sure you understood what was happening.
Frequently Asked Questions
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Insurance which protects the purchaser and the lender against loss or damage resulting from defects of title or the enforcement of liens against real estate existing at the time of issuance. Potential defects covered will include matters that may not be discovered from a search of the public records, such as past frauds or forgeries. Title insurance requires a one-time premium paid at settlement which protects you for as long as you own the property.
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When you buy a home, or any property, you expect to enjoy certain benefits from ownership. For example, you expect to occupy and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or pledge your property as security for a loan. Title insurance is designed to cover these rights.
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The lender’s policy covers only the amount of the loan, which is usually not the full property value. In the event of an adverse claim, the lender would ordinarily not be concerned unless its loan became non-performing and the claim threatened the lender’s ability to foreclose and recover its principal and interest. And, in the event of a claim there is no provision for payment of legal expenses for an uninsured party. When a loan policy is being issued, the small additional expense of an owner’s policy is a bargain.
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Always bring a government-issued ID Card, such as your driver’s license. Some lenders require two forms of identification.
If you are married, your spouse will most likely need to be in attendance and need to have their own government-issued ID.
Certified or Cashier’s Check for your down payment and closing costs. You can find out the exact amount you will need to bring by contacting your lender or our office a day before your closing. You may also wire the funds and a representative at our office can assist you with this as well.
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Throughout the closing process, your closing paralegal will keep you updated on your progress and is always available to answer questions. Contact us, we’re here to help!