Pro to Know

Real Estate Pros to Know! PROTECTING YOUR INTERESTS:

CLEAR TITLE OFFERS STRONG CUSTOMER CARE ALONGSIDE ATTENTION TO DETAIL

Clear Title is a full-service title company that has a reputation based on excellent customer service and ethical business practices, along with experts who hold themselves to the highest professional standards. Dedicated team members are ready to make you the highest priority during your closing while providing the highest quality, most effi cient, accurate, and reliable services possible, all for a fair price. Rather than looking solely at the experience under one’s belt, Clear Title also focuses on the quality of the professionals they hire. This strategy means that each of their team members provides stellar service and care, treating every client as if they are their only client. Perhaps for this very reason, Clear Title sees outstanding customer loyalty across all 120 Kentucky counties. With a pandemic going on over the past couple of years, you would expect companies to stay stagnant in the hiring department, but Clear Title has done precisely the opposite. Their work family has grown from six to 13 over the course of the pandemic and continues to grow. Owners Jeff and Andrea Vanzant describe their work family as the biggest inspiration during their time at Clear Title, enabling them to pursue the goals they originally set for the business. They are incredibly grateful for the vision they all share, their hard work, and putting the customers fi rst 100% of the time.

Jeff Vanzant founded Clear Title in 2004 after being encouraged by his brother – who was in the mortgage industry – to start a good, reliable title company in Central Kentucky. Andrea thought he was a bit crazy to leave his job and start this new venture. But within a year, the two were engaged and starting a new business. Now, they are happily married and owners of a thriving company. Aside from their shared passion for Clear Title, Jeff and Andrea’s number one joy in life is raising their three sons. With two of their sons having different types of epilepsy, the duo has done extensive self-educating over the past ten years, and the pair are strong advocates for epilepsy awareness. They enjoy helping others who may be on the same journey. When asked what experience they would share with someone starting a new company, Jeff advises, “There is no better time than the present.” He says that owning your business is similar to raising a child, with ups and downs, sleepless nights, and fi rst steps. You have to be thickskinned and be willing to roll with the punches, but you will learn so much about yourself in the process. Owning a business is hard, even educational, but it is worth the effort, he says.

by Allyson Mattingly | photo by Mike Cyrus

OUR WORK FAMILY

Natalie Clark Nathan Harrington

Jennifer Smith Autumn Tucker

Ben Groonwald Regina Million-Mason

Rhonda Sowder Melissa Strauss

Real Estate Closing Services

Whether you’re beginning to think about moving or you’ve already negotiated a price on a property, choosing the right company for real estate closing and title services is a big step. With so many considerations to keep in mind and decisions to be made, you’ll want expert guidance through every stage of the process. Clear Title offers homebuyer and home seller title services that include step-by-step guides, insurance products and insights that help you make the most of your investment.

Real Estate Title Search

A real estate title search, also known as a property title search, is a search for documents on a specifi c property. The property title, which defi nes who has legal ownership of a home, might not contain all of the updated information about liens on the property. It also may not include a complete history of the property. A property title search will tell you who — besides the owner — has a claim on the home.

A property title search will also include any deed restrictions, which means it will tell you if there are limits to how the property can be used. For example, there might be a limit to the type of or amount of construction the city will allow on a property. A property title search will also reveal if there are any easements on the property. An easement is the right for another party to use someone else’s land.

Property boundaries are also included in the property title search. This might seem pretty straightforward if you have a fence or defi ned property division at the side of a driveway. But problems can arise if previous construction mistakes were made, so it’s important to know exactly where your property lines sit.

Lender's and Owner's Title Insurance

Why would you need title insurance after a thorough real estate title search?

There are always chances that an unexpected usage claim could come up. For example, a person who has performed work and fi led a lien against the property can have an interest in the property. Governing bodies may have liens on the property for tax dues, or may possess an easement that has rights to thread utility lines in the plot. It's essential to have protection against these issues, which could hit you any time after purchase. Title insurance would cover all these issues related to the title that have previously occurred. It requires a on-etime payment, but protects homeowners and their heirs as long as they own the home.•

kycleartitle.com • (859) 523-8485