10 Locations

With Town n’ Country Title offices in Appleton, Arcadia, Green Bay, Holmen, Janesville, Kenosha, La Crosse, Tomah, Wauwatosa, and Winona, we are here to serve you wherever you need us.

Title Tip of the Month

March 2024

March 2024

Identification Requirements

Closing document signatures must match the name that appears on the identification presented at closing. If you don’t have a valid driver’s license/ID card, US passport, etc., check with your closing agent to see what type of ID will work!

February 2024

February 2024

A New Layer of Security

eSignatures platforms apply a “tamper-evident seal” to electronic documents. Any attempt to alter the documents will break the seal and expose that the documents have been changed.

January 2024

January 2024

What is UCC Insurance?

Uniform Commercial Code Insurance, more commonly known as UCC insurance, ensures the attachment, perfection, and priority of security interests in personal property.

December 2023

December 2023

SMISHING – The New Text Message Phishing Scam

Smishing, a combination of the words SMS and phishing, is a cyberattack that uses misleading text messages to deceive its victims. PRO TIP: never click links, reply to text messages, or call numbers you don’t recognize. Don’t call the number listed in the text message – go directly to the institution’s website and use their posted number!

November 2023

November 2023

Community Property

A form of ownership where spouses or domestic partners own equal interest.

October 2023

October 2023

You Can’t Beat the Value!

Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of the home’s purchase price.

September 2023

September 2023

Pre-Qualifying vs. Pre-Approval

Pre-qualification is an informal way to see how much you may be able to borrow. A pre-approval is the lender’s commitment to lend to you.

August 2023

August 2023

Don’t Get Spoofed!

An incoming phone call never takes the place of an outgoing confirmatory call before wiring funds. ALWAYS make sure you’re calling to confirm with a known closer and phone number before sending funds!

July 2023

July 2023

A New Layer of Security

eSignature platforms apply a “tamper-evident seal” to electronic documents. Any attempt to alter the documents will break the seal and expose that the documents have been changed.

June 2023

June 2023

Don’t Take The Bait!

Accepting wire and disbursement instructions via email, fax, or phone can be dangerous. Always call a trusted phone number to verify, not the one in the message.

May 2023

May 2023

Purchase Money Mortgage:

A judgment may have priority over a purchase money mortgage if the mortgage states, on its face, that it is a purchase money mortgage.

April 2023

April 2023

Wire Fraud

One of the most common real estate-related cybercrimes is wire fraud: a sophisticated tactic used by cybercriminals to trick unsuspecting homebuyers and closing personnel into wiring funds to a fraudulent account.

March 2023

March 2023

Title Insurance Myths

Myth: Title insurance costs too much.
Fact: A one-time premium protects the homeowner for as long as you or your heirs own the home, and may last forever for any title warranties made in the deed when you sell your home.

February 2023

February 2023

Coverage that grows!

Your Homeowner’s Policy will automatically increase by 10% in value each year for the first five years (up to 150% of the original Policy Amount) to help cover increases due to appreciation.

January 2023

January 2023

Alternative Title Products

Title insurance offers greater protections than alternative title products. Title insurance protections not provided by alternative title products include the validity and enforceability of the mortgage and off record liens such as HOA assessments.

December 2022

December 2022

Title Commitment: Schedule B-II

This section of the Title Commitment notifies the buyer and/or lender of exceptions from coverage. Examples include: restrictive covenants, mineral or water rights, or utility easements. These exceptions from coverage will not be insured on the title policy.

November 2022

November 2022

Payoffs

The title company insurance that all existing mortgages and other liens are paid off after closing pursuant to written payoff instructions.

September 2022

September 2022

How to Avoid Errors in Public Records

Completely avoiding errors in public records is nearly impossible because buyers have no control over a property’s past or a mistake that could have been made by those filing and recording these documents. However, an Owner’s Policy of title insurance will help protect your ownership rights from errors and defects found in public records. This insurance may cover both the legal costs to defend your interests as well as certain losses sustained as a result of a covered title defect.

August 2022

August 2022

Joint Tenancy with Right of Survivorship

An undivided interest in property, taken by two or more joint tenants. The interests must be equal, accruing under the same conveyance, and beginning at the same time. Upon the death of a joint tenant, the interest passes to the surviving joint tenants rather than to the heirs of the deceased.

July 2022

July 2022

Warranty Deed:

This is the strongest deed and warrants to the Grantee – this is the deed most used in insuring titles to real property and gives the most protection to the Grantee.

June 2022

June 2022

Anywhere it Rains, it can flood:

Flood zones are land areas identified by Federal Emergency Management Agency (FEMA). Make sure you’re protected with adequate flood insurance!

May 2022

May 2022

Purchase Money Mortgage

A judgment may have priority over a purchase money mortgage if the mortgage states, on its face, that it is a purchase money mortgage.

April 2022

April 2022

Making an Offer

Placing an offer to purchase on a home can be a delicate process. The current market condition, time of year, work needed on the home, and length of time the home has been on the market can affect your offer – not to mention your own budget. The price is not the only factor within an offer, you can also negotiate closing costs, necessary repairs, etc. If you have questions, reach out to a trusted Real Estate Agent if your area!

March 2022

March 2022

Marital Status

Spouses may be required to sign certain closing documents even though they do not intend to hold title and their name will not appear on the deed. Check with your closing agent and lender to see what documents you and your spouse will be required to sign at closing.

February 2022

February 2022

Transfer by Affidavit

If the current owner has acquired the real estate via a Transfer by Affidavit, 30 days must pass before we can insure a subsequent sale of the property.

January 2022

January 2022

Special Warranty Deed

These deeds are often used when the conveyance is from an executor, administrator, trustee, guardian, etc. There must be a valid reason for the Grantor to be limiting the warranty.

Our Services

TITLE INSURANCE POLICIES

TITLE INSURANCE POLICIES

We offer protection from loss due to liens, encumbrances, and title defects by offering title insurance. An owner’s policy has a one time fee paid at the time of purchase to protect the buyer, and a loan policy protects the lender. We offer a Simultaneous Issue rate when purchased at the same time, as well as a Reissue Rate, which could save homeowners money.

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CLOSING/SETTLEMENT SERVICES

CLOSING/SETTLEMENT SERVICES

Our closing agents work with lenders, real estate agents, buyer, legal professionals and sellers to order title insurance, collect the documentation needed to facilitate the closing of real estates transactions, disburse funds and make sure all necessary recordings are completed. This allows the final Title Insurance Policy to be delivered free of title issues.

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CONSTRUCTION DISBURSEMENT SERVICES

CONSTRUCTION DISBURSEMENT SERVICES

We work with lenders and consumers throughout the construction process, residential or commercial, to best guard against construction liens, cost overruns, and loss due to incorrect disbursement of funds. We also work with contractors to ensure correct and timely payment of draw requests.

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Testimonials

I have worked with Town n’ Country Title in Green Bay for many years. They have a fantastic team and are very dedicated to helping me & my clients. Chris Charles is fantastic. He is the best closer around. He is so helpful and accommodating. I recommend their services whenever I possibly can.

The most customer service friendly company I’ve ever had the privilege of working with. Friendly, efficient and a “get it done” attitude. I highly recommend Town n’ Country Title!

Town n’ Country Title is filled with staff who are professional, helpful and who are constantly going above and beyond. They work hard to take care of their clients and make sure each transaction goes as smoothly as possible. They are an incredible resource and offer a welcoming environment to ask any questions. What has impressed me most about Town n’ Country Title is their dedication not only to their clients, but their entire real estate industry and our community. If you’re looking for the best service and knowledgeable staff contact Town n’ Country Title!

I recently sold a duplex for my father without a realtor. When I researched title companies I found most charged a lot of different fees. I chose Town n’ Country Title because they were extremely knowledgeable, very responsive to my first request, plus they didn’t charge seller closing or deed prep fees, making them significantly less expensive. They used a prior abstract to reduce the cost further, and when it came time for the actual closing, they were on-time and made the process incredibly smooth. I am now using them for another property that I just sold through our realtor.

It’s the service that sets them apart and I have nothing but good things to say about Jim and the Town n’ Country Title team. At first I thought the service I was getting was because I was a new customer that they were trying to impress, but that service has continued. I know if I am in a bind I can call and they will do everything they can to help me out. I would recommend Town n’ Country Title to anyone.

I have been working with Town n’ Country Title for the past couple of years. They are my preferred title company and are always professional, prompt, knowledgeable and fun! I had a particularly ugly deal last year and Maria went BEYOND the extra mile to help my seller close. I truly love working the gang at Town n’ Country!

Our Underwriters

Old Republic

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