Our Core Title Insurance Products

FCT has built its business providing the lending industry with leading title insurance products for residential and commercial properties.

Title insurance protects both lenders and homeowners from errors, omissions or defects in the title of a property, as well as title related fraud or forgery. It can eliminate the need for costly searches while satisfying the requirements of property owners and your lending needs. FCT enables your transactions to close on time by insuring unknown and known or potential issues, such as: *

• Priority of mortgage
• Invalidity or unenforceability of the insured mortgage on title
• Real estate title fraud and forgery - fraudulently registered mortgages
• Renovations completed without a permit 
• Unmarketabilily of title
• Problems during the registration "gap"- the time between a client signing documents and funds being advanced when a mortgage is registered
• Defects that would have been revealed by an up-to-date survey, Real Property Report or Building Location Certificate
• Post-policy events, such as post-policy forgery of documents** and future encroachments from adjoining lands, to name a few 

* This list consists of examples only. For a complete list of coverages and exclusions, please refer to the policy. 
** This is not covered under the commercial title insurance policy. 

Your interest and priority are protected through the loan policy. Your clients can also benefit from a title insurance policy designed specifically for the homeowner. With a homeowner policy, your clients pay a one-time premium. Title insurance from FCT stays in effect for as long as the insured retains an interest in the property.