Marion County Title, Inc.  107 First Avenue South, Hamilton, AL 35570  | Give Us a Call: 205-921-9146

Marion County Title, Inc.

We are proud to serve all counties in Alabama.

Marion County Title, Inc.

Marion County Title, Inc.

At MCT it’s personal. We understand that every Customer and every Closing is as unique as you are.

At MCT it’s personal. We understand that every Customer and every Closing is as unique as you are.

When purchasing a new home or refinancing an existing mortgage, do you know what transpires from the time of application to the day of settlement? At Marion County Title, Inc., we realize your home is your most valuable asset. We understand the stress associated with purchasing or refinancing a home and are available to answer any questions or concerns you may have regarding your settlement. Our staff of dedicated professionals will guide you through the entire process and will assure that you are protected against adverse title claims or risks long after your settlement.

If your Title Company has not made you feel like a priority, please consider letting us handle your next real estate transaction.

When purchasing a new home or refinancing an existing mortgage, do you know what transpires from the time of application to the day of settlement? At Marion County Title, Inc., we realize your home is your most valuable asset. We understand the stress associated with purchasing or refinancing a home and are available to answer any questions or concerns you may have regarding your settlement. Our staff of dedicated professionals will guide you through the entire process and will assure that you are protected against adverse title claims or risks long after your settlement.

If your Title Company has not made you feel like a priority, please consider letting us handle your next real estate transaction.

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.

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.

  1. 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.
  2. Payment of legal costs if the title insurer has to defend your title against a covered claim.
  3. 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.

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.

  • Undisclosed heirs
  • 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
  • Probate matters
  • Fraud
  • 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
  • Adverse possession
  • 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

Our Process

When purchasing a new home or refinancing an existing mortgage, do you know what transpires from the time of application to the day of settlement?

At Marion County Title, Inc., we realize your home is your most valuable asset. We understand the stress associated with purchasing or refinancing a home and are available to answer any questions or concerns you may have regarding your settlement. Our staff of dedicated professionals will guide you through the entire process and will assure that you are protected against adverse title claims or risks long after your settlement.

Prior to Closing

· Conduct Title Search
· Prepare all necessary documents
· Schedule settlement

During Closing

· Account for all funds
· Review closing documents
· Disburse all mortgage loan or sale proceeds

After Closing

· Satisfy all lender requirements
· Record Transfer Documents
· Issue Title Insurance Policy

Meet Our Team

Our staff serves as a resource to our customers, offering a wealth of industry experience gained through recognized service within the mortgage lending industry. If your Title Company has not made you feel like a priority, please consider letting us handle your next real estate transaction.

Judy Miller

Chief Title Abstractor

Phone: (205) 921-1999

Fax: (205) 921-9090

Judy Miller was born in Red Bay, Alabama and has lived in Marion County, Alabama most of her life. Judy is married and has 2 children.

Judy has been with MCT since 2013. Judy has over 25 years of real estate experience. In her daily role at MCT, Judy summarizes recorded documents, such as mortgages, deeds, and contracts, affecting title to property. Judy examines mortgages, liens, judgments, easements, plat books, maps, contracts, and agreements to verify legal description, ownership, restrictions, or conformity to requirements. Judy also analyzes encumbrances to title and prepares report outlining encumbrances and actions required to clear title. Judy works diligently with interested parties to resolve problems.

Prior to coming to MCT, Judy was the Judge of Probate of Marion County, Alabama from 2007 to 2013. Before taking over as Judge of Probate in 2007, Judy worked as a clerk in the Office of the Judge of Probate for 15 years. Also, Judy is on the Board of Directors of Shottsville Fire Department and Charter Member of the Hamilton Lions Club.

Keri Harbin

Closing Secretary

Phone: (205) 921-9146

Fax: (205) 921-9090

We are proud to serve all counties in Alabama.

Marion County Title, Inc.

107 First Avenue South, Hamilton, AL 35570

We would love to hear from you!

If you have a question or concern, please fill out the email form below, we will get back in touch very soon.

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