Title Transfer Services

How Our Title Due Diligence Service Works

Step 1: Initial Consultation

We start by understanding your specific needs and gathering basic property information, including location and any initial documents you may have.

Step 2: Document Collection

We obtain essential property documents such as the Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT), Tax Declaration, and any prior deed or ownership records.

Step 3: Ownership Verification

Our team verifies the current ownership status by cross-checking with official records to confirm the seller’s rightful ownership.

Step 4: Encumbrance and Lien Check

We investigate for any liens, encumbrances, mortgages, or restrictions that may affect the property’s ownership or transferability.

Step 5: Property Tax Status Verification

We ensure that all property taxes are up-to-date and verify that no outstanding liabilities exist with the local government.

Step 6: Title History Analysis

We review the title's history to identify potential red flags, including ownership disputes, inconsistencies, or past claims.

Step 7: Boundary and Survey Check

Using a plot of the technical description, we verify that the lot boundaries align with official maps.

Step 8: Final Due Diligence Report

We provide a comprehensive report summarizing our findings, including any title defects, risks, and recommendations for resolution.

View Sample Report

Step 9: Client Review and Consultation

We review the report with you, answer any questions, and advise on next steps or necessary actions to ensure clear ownership.

Optional Step: Corporate-Owned Property Verification

For corporate-owned properties, we verify corporate authority by reviewing board resolutions, SEC registration, and compliance with tax clearances. This ensures the corporation is authorized to sell the property and is in good legal standing.

Frequently Asked Questions

What additional aspects are reviewed during comprehensive due diligence?

Beyond examining ownership, liens, and encumbrances, due diligence includes checks on:

Legal History: Verifies adverse possession claims, easements, zoning compliance, and encroachments affecting property rights.
Property Boundaries: Confirms boundaries through a recent survey and checks for neighboring encroachments.
Title Defects: Identifies any forged or missing documents and conflicting ownership claims.
Legal Actions: Searches for pending lawsuits or past disputes related to the property.
Government Regulations: Assesses risks like eminent domain or historical preservation designations impacting ownership.

What is included in the final due diligence report?

The report includes title history, encumbrances, boundary verification, tax status, and any identified risks, giving you a complete property overview.

How long does the due diligence process take?

Depending on document availability and property complexity, it typically takes between one to two weeks.

Scopes and Limitations

The Title Due Diligence service provided by Titles.ph offers a thorough review based on available records and documentation from both the client and accessible public sources. While every effort is made to identify potential title defects, encumbrances, and legal issues, this service does not constitute a legal opinion or guarantee of the title's validity or marketability. Titles.ph is not liable for undisclosed or unrecorded claims, liens, or future disputes that may arise after the due diligence process. We recommend consulting a qualified legal professional for any legal aspects of property transactions.

Reveal Any Hidden Title Defects