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

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.

December 2021

December 2021

Legal Description

A Legal Description is the description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other. You can find your property legal description in your Title Commitment.

November 2021

November 2021

Earnest Money Deposit

Earnest Money is a down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.

October 2021

October 2021

Disbursement Date

The Disbursement Date is the date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid by the borrower or third party in a transaction that is not a purchase transaction.

September 2021

September 2021

Closing Disclosure (CD)

A Closing Disclosure (CD) form is designated to provide disclosures that will be helpful to borrowers in understanding all costs of a transaction. This form will be given to the consumer three business days before closing.

August 2021

August 2021

eNotarization

Process of applying the notary signature and notarial seal to electronic documents in Wisconsin was enacted on March 3, 2020.

July 2021

July 2021

Hazard Insurance Policy

A hazard policy, also known as homeowner’s insurance, with the lender designated as the insured holder of the mortgage, is required on most loans. Evidence of hazard insurance, including a paid receipt, must be provided PRIOR to closing.

June 2021

June 2021

What is FIRPTA?

FIRPTA stand for the Foreign Investor in Real Property Act. In the U.S., tax law requires that all persons whether foreign or domestic, pay income tax on disposition of US real property interests. This Act was put in place to collect taxes from foreign persons.

May 2021

May 2021

Protection with an Owner’s Policy

Your home may be new to you, but every property has a history. There may be hidden issues in the chain of title, which could affect your homeownership! Errors in Public Records, Unknown Liens, Undiscovered Wills, Forgeries. Unknown Easements and more. Get your Owners Policy from a title company you trust, like Town n’ Country Title.

April 2021

April 2021

Life Estate

A common way title can be held is by Life Estate. It is a grand or reservation of the right of use, occupancy, and ownership for the life of an individual.

March 2021

March 2021

American Land Title Association

The American Land Title Association (ALTA) is a trade group made up of over 6,000 title companies, underwriters, and other title specialists. Fun Fact: Town n’ Country Title is active in several ALTA committees including Best Practices, Talent Development and HOP!

February 2021

February 2021

ALTA Short Form

The Short Form Policy is a lender policy of title insurance adopted on 12/09/2012. This short version of the “long form” includes all of the terms, exclusions, and conditions from the 2006 ALTA Loan Policy.

January 2021

January 2021

What is an eClosing?

An eClosing refers to an “electronic closing” which can include an eNotary, eDocument, eSignature, or eRecording.

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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