09/03/2026
A buyer told us this week he didn't want a title opinion. He figured he'd save the money and just close.
Here's the problem with that. In Iowa, the abstract is the property's entire recorded history — every deed, mortgage, lien, and judgment ever filed against it. On its own, it's just a thick stack of paper. It only protects you when a licensed Iowa attorney examines it and writes a title opinion telling you whether the seller can actually hand you clean title.
Skip that step and nobody's checking for the old mortgage that got paid off but was never released, the judgment sitting against a prior owner, or the easement running straight through the backyard. You don't find those the week you move in. You find them years later, when you go to sell — and now it's your problem to untangle.
You don't need to become a title expert to protect yourself. You just need to ask two questions before you close: Is the abstract being brought current? And is an attorney examining it and issuing a title opinion? If you're not sure, get it in front of someone who reads these for a living before you sign anything.
That's the whole job on our end — catch the problems while they're still fixable, so the biggest purchase of your life doesn't come with someone else's baggage attached.
If you'd rather have someone calm and detail-oriented watching the title for you, grab a time with me here:
https://na2.hubs.ly/H06xkXk0