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Fax : 888.316.7808
Keymax Settlement Services, LLC

Keymax Settlement Services, LLC

615 Fifth Avenue, Suite 301

Coraopolis, PA 15108

Streamlining the Loan Closing Process

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What Client's Say

  • Client testimonial
    "I first began using Keymax in 2006 upon a Realtor's recommendation. They have become my only choice for title services since then. The critical advantage they afford me is the speed and accuracy in generating final HUD 1's. By providing fast and reliable service on virtually every transaction, Keymax allows me to focus on my core mortgage business."
    by : Laurie Nelson, Holland Mortgage Advisors
  • Client testimonial
    “Keymax’s Closing Coordinators are attentive, thorough, and very communicative throughout every transaction. This provides a great deal of comfort for my clients and everyone involved. Utilizing Keymax Settlement Services is how I assure a smooth closing each and every transaction.”
    by : Dustin Hook, Realtor®, RE/MAX Select
  • Client testimonial
    “During the 11 years that I have been in the mortgage industry, I have worked with many Real Estate Settlement companies. Keymax separates themselves from the pack with their personal approach, consistent delivery of top-notch service, and their fantastic ability to go above and beyond. Whether I need a closing at 9am on a Saturday, or 5pm during normal business hours, I can always count on Keymax to accommodate the client’s needs. I would recommend Keymax to anyone, as they exceed expectations.”
    by : Chris Klein, Allegheny Valley Bank

Keymax Settlement Services, LLC

Keymax Settlement Services, LLC is a title settlement company proudly serving all counties in Western Pennsylvania. Our primary goal is to provide timely, efficient, and informed title closing services.

Our company mission is to streamline the loan closing process making it more efficient and tailoring it to meet the time constraints under which our customers operate.

Keymax Settlement Services, LLC underwrites its title insurance policies through First American Title Insurance Company and Fidelity National Title Insurance Company.

Tools


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    Title Charge Calculator
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  • Educational Resources

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Faq

  • What is title insurance?

    An insurance policy--protecting against loss should the condition of title to land be other than as insured.

  • Why do I need title insurance?

    When you buy a home, or any property for that matter, you expect to enjoy certain benefits from ownership. For example, you expect to be able 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 you bargain for.

  • What if a title issue arises after closing?

    At the mere hint of a claim adverse to your title, you should contact your title insurer or the agent who issued your policy. Title insurance includes coverage for legal expenses which may be necessary to investigate, litigate or settle an adverse claim.

  • What does this cost?

    The cost varies, depending mainly on the transaction being completed. Title Insurance is based off of sales price, loan amount, and extended coverage. Title Insurance is state regulated and required by mortgage lenders. For specific cost information involved in a transaction, please contact us.

  • If my lender gets title insurance for its mortgage, why do I need a separate policy for myself?

    The lender's policy covers only the amount of its 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.

  • What are the types of claims, or risks, covered by title insurance?

    There are basically two different levels of coverage: Standard coverage and Extended Coverage.

    A Standard Coverage Policy handles such risks as:
    Forgery and impersonation;
    Lack of competency, capacity or legal authority of a party;
    Deed not joined in by a necessary party (co-owner, heir, spouse, corporate officer, or business partner);
    Undisclosed (but recorded) prior mortgage or lien;
    Undisclosed (but recorded) easement or use restriction;
    Erroneous or inadequate legal descriptions;
    Lack of a right of access; and Deed not properly recorded.

    An Extended Coverage Policy may be requested to protect against such additional defects as:
    Off-record matters, such as claims for adverse possession or prescriptive easement;
    Deed to land with buildings encroaching on land of another;
    Incorrect survey;
    Silent (off-record) liens (such as mechanics' or estate tax liens); and Pre-existing violations of subdivision laws, zoning ordinances or CC&R's.
    Post-policy forgery;
    Forced removal of improvements due to lack of building permit (subject to deductible);
    Post-policy construction of improvements by a neighbor onto insured land; and Location and dimensions of insured land (survey not required).

    For a more detailed list of covered risks, visit the Education Section of this website. As with any insurance contract, the insuring provisions express the coverage afforded by the title insurance policy and there are exceptions, exclusions and conditions to coverage that limit or narrow the coverage afforded by the policy. Also, some coverage may not be available in a particular area or transaction due to legal, regulatory or underwriting considerations. Please contact a Keymax Settlement Services representative for further information.

  • If my lender gets title insurance for its mortgage, why do I need a separate policy for myself?

    The lender's policy covers only the amount of its 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.

  • What should I bring to my closing?

    A government issued, non-expired photo ID such as a driver’s license or passport. PA state requires “Good Funds” Therefore the amount needed for closing will need to be in the form of a cashier’s check or wired to Keymax in advance. Should there be any changes, it is also advised you bring your checkbook.

  • How should I take title ?

    This really is important. There are tax and estate considerations to ponder prior to deciding. And you also need to ask whether you need to protect your home from, say, a lawsuit against your business or a malpractice suit against a partner or spouse.

    Here are three of numerous ways to take title:

    Sole owner - An unmarried person buying a house alone has the easiest task. Title is taken as a sole owner in the individual's name.

    Joint tenancy - When a married or unmarried couple buy a house together, things get more complicated. If they choose to take title with joint tenancy, each has the right of survivorship. If the spouse or partner dies, full ownership goes to the survivor. There are tax advantages for the survivor as well, regardless of marital status.

    Tenants-in-common - When two or more individuals buy a home together as tenants-in-common, they are partners who may own unequal shares and who can sell their shares of ownership independently.

    Buyer's Tip: Decide before you attend the closing how you wish to take title to the property. Consult an accountant, real estate attorney, or estate planner to learn the advantages and disadvantages of each type of ownership.