Owner and manager of Fulton County Title, LLC, Marcia Allen has 31 years’ experience in the title industry. Prior to coming to work at Fulton Title Company in 2015 and later purchasing the company in 2019, Marcia owned and operated Allen Abstract & Title Co. in Oregon County, Missouri for 19 years. She received her Bachelor of Science Degree from Missouri State University, and has held a Certified Residential Appraisal License and a Missouri Real Estate Broker’s License. Marcia attributes her dedication and devotion to the title industry to having always been around the real estate business, beginning with her parents who have been real estate agents for over 60 years.
A Licensed Agent with Fulton County Title, LLC, Jessica has 25 years’ experience in the title industry. She started as a title researcher for Allen Abstract and Title, Co. in Oregon County, Missouri, eventually working as a title examiner.
Jessica’s first job was working for Marcia’s dad as a receptionist at United Farm Agency, typing legal descriptions and preparing deeds. She has also worked as a mapper for the county assessor and has held a license as a Certified Residential Appraiser. She started working for Fulton Title Company, in Salem, Arkansas in 2014, and then for Fulton County Title, LLC in 2019. Jessica’s parents were real estate agents and also managed a title company in the early 70s.
Suzette grew up in California and Nevada, where her mother sold real estate. Her first job was as a receptionist for a Real Estate office and her grandfather taught her to read legal descriptions from the foreclosure notices in the newspaper. Suzette attended University of Nevada, Las Vegas, then moved to Missouri, then Fulton County, Arkansas, where her husband grew up. Suzette became a Licensed Agent in February 2020. In her spare time, she loves working on family genealogy and has started transcribing documents for the National Archives.
Owning real estate is one of the most precious values of freedom in this country. You want the assurance that the property you are buying will be yours. Other than your mortgage holder, no one else should have any claims or restrictions against your home.
Title insurance is issued after a careful examination of the public records. But even the most thorough search cannot absolutely assure that no title faults are present, despite the knowledge and experience of professional title examiners. In addition to matters shown by public records, other title problems may exist that cannot be disclosed in a search. Title insurance eliminates any risks and losses caused by faults in title from an event that occurred before you owned the property.
Title insurance is different from other types of insurance in that it protects you, the insured, from a loss that may occur from matters or faults from the past. Other types of insurance such as auto, life, or health cover you against losses that may occur in the future. Title insurance does not protect against any future faults, but does protect you from risks or undiscovered interests. Another difference is that you pay a one-time premium for a policy that remains effective until the property is sold to a new owner - even if that doesn't occur for decades.
The insurance commission approves and controls the premiums for title insurance policies. The premiums are paid only once and the cost depends upon the purchase price of the property and the policy amount must be equal to the purchase price.
A lender's policy, also known as a loan policy or a mortgage policy, protects the lender against loss due to unknown title defects. It also protects the lender's interest from certain matters which may exist, but may not be known at the time of the sale.
This policy only protects the lender's interest. It does not protect the purchaser. That is why a real estate purchaser needs an owner's policy.
An owner's policy protects you, the purchaser, against a loss that may occur from a fault in the ownership or interest you have in the property. You should protect the equity in your new home with a title policy.
Protection from financial loss due to demands that may be charged against the title to your home, up to the cost of the title policy.
Payment of legal costs if the title insurer has to defend your title against a covered claim.
Payment of successful claims against the title to your home covered by the policy, up to the cost of the policy.
Any purchaser will need evidence that his investment in your property is free of title defects. The title insurance policy that you provide the purchaser is a guarantee that you are selling a clear title to your real estate, unencumbered by any legal attachments that might limit or jeopardize ownership. It will reassure your purchaser that he or she is protected from any risks or losses and could help you close your deal.
Without title insurance, you may not be fully protected against errors in public records, hidden defects not disclosed by the public records, or mistakes in examination of the title. As a result, you may be held fully accountable for any prior liens, judgments or claims brought against your new property. If this should occur, your title policy insures that you will be defended at no cost against all covered claims up to the amount of the policy.
Forged deeds, mortgages, wills, releases and other documents
False impersonation of the true land owner
Deeds by minors
Documents executed by a revoked or expired Power of Attorney
False affidavits of death or heirship
Deeds and wills by persons of unsound mind
Conveyances by undisclosed divorced spouses
Rights of divorced parties
Deeds by persons falsely representing their marital status
Defective acknowledgements due to improper or expired notarization
Forfeitures of real property due to criminal acts
Mistakes and omissions resulting in improper abstracting
Errors in tax records
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Fulton County Title, LLC.
122 Locust Street
PO Box 747
Salem, AR 72576