About
First Baldwin Land Title offers a full-service closing experience that is compliant with the ALTA Best Practices industry standards. Our main goals are to ensure that borrowers, buyers, sellers, real estate agents, and lenders are comfortable, fully informed, and completely satisfied with the closing process.
We operate throughout Baldwin County with offices in Fairhope, Orange Beach and a satellite office in Robertsdale. Closing locations are flexible to meet the needs of our clients. Our service to you is our top priority.
our locations
Our Title insurance services include
Residential
When you are closing, purchasing, or refinancing your home or an investment property, you have the right to choose your title company. First Baldwin Land Title provides a full range of closing services. We are approved by all major lenders and are agents for Stewart Title and Fidelity National Title. Our staff has over 50 years of combined closing experience and has the knowledge and expertise to provide the personal attention our clients deserve.
Commercial
First Baldwin Land Title offers commercial title services, including construction, land acquisitions, and development and permanent loans. Each transaction is handled with the same expertise and individual care we offer our residential customers. We have built our reputation on providing accurate, efficient, professional, and personable service. Regardless of complexity, each client and their specialized commercial needs are our top priority. We have attorneys on staff to assist with any complex closings
Frequently Asked Questions
Please reach us at one of our offices if you can not find the answer to your question here.
Liens are like mini-mortgages placed on the property to force the property owner to pay a debt. Any liens on the property must be paid before the land can be sold
Escrow is a financial arrangement where a third party holds and regulates payment of the funds between two parties pending the fulfillment of the transaction, making the transactions more secure.
The title refers to the document of legal ownership for the property and the use of the property.
The chain of title refers to the record or history of property title ownership from the present owner back to the original owner.
A title search is a review of all recorded documents affecting a specific property to determine the present condition of the title.
Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens or defects in the property’s title.
A title defect refers to a title that has a publicly-recorded lien, mortgage or judgment on the property the title represents and therefore, the title is not a “clean title.”
A closing is the final step of the real estate transaction process where all legal documents are signed, fees paid and the ownership property is officially transferred from the seller to the buyer.
At the final stage in a real estate transaction, or the closing, a closing agent assures that all documentation, including sale related documents and loan/mortgage documents for the entire transaction, are completed and signed properly, including the title search and title insurance.
Closing Tips
- Call when you have a question or concern
- Inform us of any possible issues affecting title, such as changes in marital status, probate, liens, etc…
- Eliminate delays in funding by staying in touch with your lender
- Be sure to furnish all required documents prior to closing
- Promptly provide payoff information on your existing loans and Social Security numbers, if needed
- Notify us immediately if you choose to use a Power of Attorney, since both the lender and our legal staff must approve it
- Choose a Homeowner’s insurance company as soon as possible. Let us know your agent’s name and phone number at least five days prior to closing.
- Remember to bring your driver’s license
- If you are paying your funds via Cashiers check, make payable to First Baldwin Land Title
- If you are paying your funds via Wire, always call and confirm the wiring instructions you have received from us. Wire Fraud is on the rise and we want to do everything we can to protect both our clients and our business.
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