Top 5 Title Issues That Can Delay a Closing (and How to Avoid Them)

Keep the happy dance on schedule:

No title headaches allowed.

Closings are supposed to be the big celebration: the keys, the smiles, and maybe even a happy dance in the driveway. 🥳 But sometimes, sneaky little title issues pop up and slow everything down (and let’s be real, nobody invited plot twists to closing day).

The good news? Most of these hiccups are totally preventable with a little prep work. Let’s break down the top 5 title issues that can delay a closing and how you can sidestep them like a pro.

1. Liens on the Property

Liens are like sticky notes that just won’t let go: maybe it’s an unpaid contractor, overdue HOA dues, or a lingering judgment. If they’re still hanging on, the property can’t officially change hands. 🚫🔑

How to avoid it: Get a title search early so these surprises don’t sneak up at the finish line.

2. Unpaid Property Taxes

If property taxes are past due, closing stalls until they’re handled. It’s basically the real estate version of trying to leave a restaurant without paying your bill. 🍽️💸

How to avoid it: Double-check taxes early on. It’ll save everyone a last-minute headache.

3. Heirs & Ownership Disputes

Here’s the drama nobody ordered: a long-lost heir showing up mid-deal to claim ownership. Suddenly, your smooth sale feels more like a daytime soap opera. 🎭

How to avoid it: A thorough title exam confirms clear ownership before the contract gets too far along.

4. Errors in Public Records

Typos happen, but when it’s a name, legal description, or other key detail in property records, even a tiny mistake can cause big delays.

How to avoid it: Careful title review helps catch and correct these slip-ups before they snowball into roadblocks.

5. Unreleased Mortgages

Sometimes an old mortgage still shows up on record even after it’s been paid off. It’s like a ghost from closings past haunting your deal. 👻🏡

How to avoid it: Make sure all prior mortgages are properly released so the path stays clear.

The Big Takeaway

Title issues might not be glamorous, but they’re kind of a big deal. The cleaner the title, the smoother the closing, and the faster everyone gets to that happy key handoff moment. 🔑✨

With just a little extra attention upfront, you can skip the delays, dodge the surprises, and keep the deal rolling full circle.

💡 Real estate can be stressful enough; your closing doesn’t have to be. Stay informed, stay prepared, and you’ll get nothing but smiles at the finish line.