Expertise in Every Title, Confidence in Every Transaction

Trusted Title Services
Industry Leaders

Bay City Abstract & Title Company has established a sterling reputation for providing comprehensive title services of all of the townsites, subdivisions, large generationally owned ranch lands, farm land, beach and river properties, industrial and commercial properties in all of Matagorda County. Our dedicated team ensures a seamless and secure transaction for each client, embodying expertise and meticulous care in every detail. With a commitment to excellence and a deep understanding of the local market, we offer a range of solutions tailored to meet the unique needs of our customers, solidifying our position as a trusted leader in title services.

Understanding the Title Process

We streamline the complex process of title work, leveraging over a century of experience to ensure accuracy, security, and peace of mind. Our approach is thorough and personalized, recognizing the unique aspects of each transaction and client needs.

Step 1: Initial Engagement

The journey starts with an earnest money contract. Our team meticulously receipts the contract and earnest money while capturing all necessary details in our system. We engage in a detailed review of the transaction, covering key aspects such as the lender, attorney involvement, property type, and survey status. Our goal is to ensure a clear understanding and smooth initiation, providing you with essential documents for your loan application.

Step 2: Processing & Trust

Following the contract entry, we assign a guarantee file number and securely deposit your earnest money into our trust account, where it will be credited at closing. An order sheet is then prepared for our plant department to commence the title search, setting the foundation for a thorough examination.

Step 3: Detailed Title Search

Our title search is comprehensive, involving an online plant search by name and legal description. We meticulously check for previous commitments or policies, updating titles and investigating potential concerns such as tax liens, divorces, and easements. Our exhaustive review extends to direct and reverse records and even court documents to ensure complete clarity on title status.

Step 4: Examination & Decision

Upon completing our research, our title examiner evaluates all gathered information. Should any issues arise, we promptly inform you of the necessary steps to resolve them. Given that we do not offer legal advice, we may recommend consulting with an attorney to address complex title issues effectively.

Step 5: Preparing for Closing

To ensure all financial aspects are accurately handled, we obtain tax statements from local authorities, allowing for precise calculation of taxes due and proration at closing.

Step 6: Title Insurance & Record Keeping

After issuances of the title insurance policy, all records are meticulously stored in our system, dating back to our first policy in 1952, safeguarding your transaction history.

Explore FAQs

Cost of Title Insurance

As mandated by the Texas Department of Insurance, title insurance rates are standardized, ensuring fairness and transparency. We’re here to provide an estimated cost for both loan and owner’s title policies, based on these regulations. For a detailed look at rates, the Texas Department of Insurance offers resources and calculations to help understand your potential costs.