What “title-verified”
actually means

A title is a claim, not a certainty. When somebody tells you a parcel is title-verified, the only useful follow-up question is: verified by whom, against what, and what did they find? Here is how we answer it.

What gets checked

Before DIG finances anything, the chain of ownership is traced back through the county records to establish that the person selling has the right to sell. That search turns up the things that matter and are invisible from the road: an old easement giving a neighbour access, an unreleased lien from a loan somebody thought was closed, a boundary that was described differently in two deeds forty years apart.

None of those are automatically disqualifying. Most land has something. What matters is that it is found, priced, and told to you before you sign rather than after.

The fence has been in the wrong place for thirty years more often than you would think.

What gets walked

Records are not the ground. The boundaries get walked and compared against the county plat, because the fence has been in the wrong place for thirty years more often than you would think. Utility runs get confirmed to the lot line — a parcel described as having power may mean a pole four hundred feet away and a bill you were not expecting.

What you should ask to see

• The title commitment, including Schedule B — the exceptions are the interesting part

• The survey, and whether it is current or inherited from the last sale

• What the flood-zone designation is, and from which map year

• Whether anything found in the search was resolved, or merely disclosed

If a seller cannot produce these, that is itself the answer. DIG does not finance a parcel it has not seen this work on, which is the same as saying we will not put you into one.

What it means for your schedule

This all happens before the agreement is signed, which is why the schedule you are shown is the schedule you get. Nothing found later gets added to your payment, because there is not supposed to be a later.