LIQUIDVZN GROUP LLC
LEWISVILLE, TX

Mission Statement LiquidVZN is a national title company committed to providing the highest level of customer service to our clients, while yielding superior financial returns for our partners. LiquidVZN range of services include: title products, settlement services, flood services and credit services which are available in all 50 states regardless of geographical location. Nationwide consistency & reliability and end to end web based transaction process add value to every step of the title and settlement process. The LiquidVZN Group corporate offices and National Processing Center are centrally located just minutes north of Dallas, TX. Our Texas roots uniquely position us to provide unparalleled service in all 254 counties in Texas as well as the rest of the nation. Contact us today and experience the LiquidVZN Group Service difference for yourself. Title insurance provides protection against title defects that were unknown to you at the time you purchased the policy. Before writing a policy, a title company will check for defects in your title by examining public records, including deeds, mortgages, wills, divorce decrees, court judgments, tax records, liens, encumbrances, and maps. The company will then defend in court any claims to the property that are covered by your policy, subject to certain limitations. If the company loses, it will pay you for covered losses up to the amount of your policy. Owner polices insure property owners against the specific kinds of claims listed in the policy. When you buy a house, and purchase a mortgagee policy, a title company will automatically issue an owner policy – for a set premium – unless you specifically reject it in writing. An owner policy remains in effect as long as you or your heirs own the property or are liable for any title warranties made when you sell the property. You should keep your owner policy, even if you transfer your title or sell the property. In Texas, title policy forms are standardized. This means the policy language is the same, regardless of the company. Different companies may describe their coverage exceptions differently, however. Therefore, it’s important that you read your policy carefully. Pay special attention to “Schedule B” of the policy, which explains any limitations, exclusions, exceptions, and special conditions. You may want to discuss these exceptions with an attorney before you close on a real estate deal. A title policy does not guarantee that you will be able to sell your property or borrow money on it, or that you won’t lose money if you do sell it. The premium for a title policy is paid only once, at the closing of the sale. The buyer and seller may negotiate who pays the premium. If someone claims an interest in your property, a title company will defend your title in court and pay for any actual loss under these circumstances: A lien against your title exists because a previous owner failed to pay a mortgage or deed of trust; a judgment, tax, or special assessment; or a charge by a homeowners or condominium association. If you receive notice of a previous lien, contact your title company immediately and follow your policy’s claim filing procedure. Failure to do so could jeopardize your claim. Your policy also will not cover any special exceptions – such as a public utility easement – added by the title company during the title examination process. These exceptions must be listed in Schedule B of your policy. The company must make you aware of each exception and describe it using common language so that you can easily locate the reason for the exception in public records. Restrictive covenants limiting how you may use the property and prescribing requirements for buildings constructed on the property. Schedule B lists these restrictions. Be sure to request copies of any restrictions and have your attorney explain them. The title company may charge you for the copies. Losses resulting from rights claimed by “parties in possession,” such as renters or adverse claimants who occupy the land. If you object to the exception, the title company may inspect the property and delete the exception from your policy. The title company may charge for the inspection. Certain taxes and assessments. Your title policy ensures that all property taxes and assessments are paid for the most current year available. However, certain tax exemptions enjoyed by previous owners could result in more taxes being assessed against your property in the future. If you buy property with borrowed money, the lender may ask that its mortgagee policy delete the exception for “subsequent taxes and assessments by any taxing authority for prior years due to change in land usage or ownership.” In such cases, the title company may require that the assessment be calculated and paid. Expedite clear title on properties with liens with a certified title product. The real estate process can be confusing at times, even for the most veteran of purchaser and seller. Understanding why title insurance is so important to any real estate transaction is critical to knowledge of the sale. Learn what title insurance is for prospective buyers, what hidden title problems can be associated with any sale and why most lenders require title insurance on sales here.