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# About Title Resources Inc.
Title Resources Inc. is a small and friendly title company that is passionate about keeping our clients informed throughout the entire process. When it comes to your title needs, you can trust us to handle them with care and efficiency. Experience the exceptional service that sets us apart and learn more about our commitment to transparency and communication.
## Professional and Friendly Title Services
##### Buying or selling a home is surely a monumental endeavor by all means. Title Resources Inc. will provide the professional and courteous service you deserve during explicitly complex transactions. Altogether, you can expect timely preparation of title documents coupled with outstanding customer service. In conclusion, all you need to do is sign on the dotted line. We are licensed to do business in Colorado, Florida, Illinois and Missouri.
### Local expertise
##### Firstly, a local title company is likely to have a better understanding of the local real estate market such as it's laws and regulations. This can be evidently important if you are buying or selling property in an area that you are not obviously familiar with.
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### Personalized service
##### For one thing, a local title company is more likely to provide personalized service and attention to your needs. They can often undeniably provide more responsive and timely communication, which can specifically help ensure a smoother transaction process.
### Faster turnaround times
##### With in-depth knowledge of the local real estate market, we can surely provide you with efficient and unquestionably reliable service that can help you close deals faster. Navigate the complexities of the real estate market by all means with ease and get the results you need in a timely and cost-effective manner.
### Local relationships
##### A local title company may have many established relationships, for instance with local real estate agents, lenders, and other professionals involved in the transaction process. For one thing, this can significantly help facilitate communication, specifically with coordination between all parties involved.
### Support for the local community
##### By working with a local title company, you are supporting a local business and contributing to the local economy in particular. Surely, this can be without doubt a meaningful way to give back to the community while also receiving high-quality services without reservation.
## About Us
## Meet The Team
### Brian McGovern
## President
##### Brian McGovern's journey began in the mortgage industry spanning more than a decade, reflecting a deep-rooted commitment to providing exceptional customer service. Beginning as a loan officer, Brian's career trajectory led him to become one of the nation's notable originators, as evident from his consistent presence on the Scotsman Guide leaderboard. Throughout his career, Brian has consistently emphasized the importance of customer service as a core value. Recognizing that positive client experiences are the foundation of long-term success, he has not only excelled individually but also demonstrated his leadership capabilities by nurturing and guiding teams of loan officers. A standout accomplishment in Brian's career is his role in establishing a sales team from its inception. Through his patient guidance and strategic approach, the team flourished and achieved remarkable milestones, including an annual loan origination volume exceeding one billion dollars. Brian McGovern's journey exemplifies how prioritizing exceptional customer service can yield remarkable results and has brought that same philosophy to Title Resources Inc, focusing on providing the best buying experience for all parties involved. His story underscores the significance of fostering genuine connections and focusing on client needs as pivotal elements of enduring success.
### Ryan Earley
## Business Development
##### Ryan Earley is a seasoned title services professional with over a decade of experience. His specialty lies in simplifying loan closing paperwork for clients through in-person education. Ryan excels in making complex paperwork understandable for clients, ensuring they are informed and confident during the closing process. He prioritizes client needs, actively listening to their concerns and providing a warm, approachable atmosphere. With an in-depth knowledge of title services, Ryan handles even complex transactions with ease, staying current with industry regulations. Beyond work, Ryan actively participates in community outreach and educational seminars to empower homebuyers. Ryan Earley is a trusted advisor and a standout professional in the title services industry, known for his commitment to simplifying the closing experience for clients.
### Aaron Mabry
## Sr. Title Officer
##### Aaron Mabry embarked on his professional journey in the realm of real estate title insurance, initially serving as a document courier and retriever. Swiftly after commencing his career, he advanced to the role of a title abstractor, dedicating nine years to overseeing the title abstracting process for the adjoining counties of Metro St. Louis. In recent years, Aaron's tenure as a Senior Title Officer at Title Resources Inc. has allowed him to amalgamate his comprehensive understanding of title services, cultivated over the years, thus contributing significantly to the company's operations.
### Sarah Fitzwater
## Sr. Escrow Officer
##### Sarah is your trusted partner in escrow management, with over a decade of invaluable experience and a customer-first mindset . As a devoted mother of two girls, Sarah understands the importance of a smooth and stress-free process, whether it's managing your dream home or expanding your business ventures. With Sarah by your side, you can expect more than just expertise; you can count on genuine care and dedication to crafting a delightful experience from start to finish. From commercial deals to cozy family homes and everything in between, Sarah's knack for personalized service ensures that every escrow transaction is handled with the utmost attention to detail and warmth.
### April Winters
## Business Director
##### April Winters is a committed expert with a solid foundation in managing payroll, accounting, and billing, a pivotal role in an industry that oversees all the intricate financial aspects of purchase transactions. Married and a loving mother of two daughters, April's commitment to her family extends to her professional life, where she applies her expertise to ensure the financial operations of the company run seamlessly. April's proficiency in payroll, accounting, and billing is the cornerstone of her career. She manages these critical financial aspects with precision and efficiency, ensuring that the company's financial affairs are in order. Her attention to detail and commitment to accuracy are qualities that define her work. Growing up in a household where her father worked as a realtor, April was immersed in the world of real estate from a young age. This upbringing gave her a unique perspective and deep understanding of the intricacies of the profession. She appreciates the challenges and opportunities in the industry, which greatly benefits her role in the title company.
### Kyle Gally
## General Counsel
##### Kyle Gally is an accomplished legal professional with extensive experience in the title and mortgage industries. With a background in general counsel roles for title and mortgage companies, Kyle brings a wealth of knowledge in compliance, risk management, and legal affairs. His unique blend of legal expertise, and investigative skills make him a valuable asset in the realm of information gathering and security. Kyle's commitment to precision, thoroughness, and a deep understanding of legal codes and procedures has consistently contributed to the success of organizations he has been a part of. Beyond his professional achievements, Kyle is a dedicated father, bringing the same level of dedication and attention to detail to his family life.
### Title Resources Inc.
### Don’t take our word for it.
Title Resources Inc. is consistent in customer service from receipt of the title order through closing and post-closing should questions arise. Altogether, our skilled title professionals show efficiency with their quick turn-a-round time and adept handling of all title issues. Not to mention, each member of our experienced staff takes pride in their work and is motivated to assist our customers in any way possible.
## Orders processed *in little as 48 hours!*
### Send A Message or Call (636) 527-9670
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## Contact us today!
Our experienced Residential Services team offers superior Escrow and Closing services, whether the transaction involves the refinance or purchase of your home or condo.
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## **Let's Chat**
214 N Clay Ave
Suite 100
Kirkwood, MO, 63122
Mon-Fri: 8am – 5pm
Orders@TitleResourcesInc.com
Phone: (636) 527–9670
Fax: (314) 387–9242
Your privacy is very important to us. The information collected on this website will only be used by Title Resources Inc. We will only use the information provided for as long as necessary. We have developed this policy in order for you to understand how we collect, use, communicate, disclose and make use of personal information. We will collect and use personal information with the objective of fulfilling those purposes specified by us, unless we obtain consent of the individual concerned or as required by law. We will collect personal information by lawful and fair means with the consent of the concerned individual. We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
# Frequently Asked Questions
At Title Resources Inc., we understand that clients often have questions and concerns when it comes to title services. To provide clarity and address common inquiries, we have compiled a list of frequently asked questions (FAQs) to help you better understand the title process.
## FAQs
Got a question? We’re here to help.
What is a title search?
A title search examines public records to verify a property’s legal ownership history and uncover any potential issues that could affect ownership rights.
Why is a title search necessary?
A title search is essential to ensure that the property being sold has a clear and marketable title, free from any undisclosed liens, claims, or encumbrances.
What is title insurance?
Title insurance is a policy that protects property owners and lenders from financial losses due to defects in the property’s title that were not discovered during the title search.
Who typically pays for title insurance, the buyer or the seller?
This varies by location and negotiation, but in some areas, the seller pays for the buyer’s title insurance policy, while the buyer pays for the lender’s policy.
What are title defects?
Title defects are issues such as unpaid taxes, judgments, unresolved liens, or improper transfers that can affect the property’s ownership.
How does title insurance differ from homeowner's insurance?
Title insurance protects against title defects, while homeowner’s insurance covers damages and losses to the property and its contents.
Can a property with a lien be sold?
Yes, a property with a lien can be sold, but the lien must typically be satisfied from the sale proceeds before the property can be transferred to the new owner.
What is a title commitment?
A title commitment is a preliminary report that outlines the conditions under which a title insurance policy will be issued.
What is a "cloud on title"?
A cloud on title refers to any issue or claim that could create doubt or uncertainty about the true ownership of a property.
What is a property survey?
A property survey is a detailed measurement and description of a property’s boundaries, structures, and features.
Can I proceed with a property purchase if a title issue is found?
It depends on the severity of the issue. Some issues can be resolved, while others may require legal action or negotiation with the parties involved.
What is a quitclaim deed?
A quitclaim deed is a legal document used to transfer a person’s interest in a property without making any warranties about the property’s title.
How long does a title search take?
The duration of a title search can vary, but it usually takes a few days to a couple of weeks to complete.
Can a property have multiple owners with different percentages of ownership?
Yes, multiple owners can have varying percentages of ownership in a property, such as in the case of tenants in common.
What is the role of a title company in a real estate transaction?
A title company conducts the title search, issues title insurance, and facilitates the closing process to ensure a smooth transfer of ownership.
What happens if a property has an easement?
An easement grants someone the right to use a specific portion of another person’s property for a particular purpose, even though they don’t own the property.
Can title issues be resolved before closing?
Yes, many title issues can be resolved before closing through negotiation, payment, or legal remedies.
What is a title escrow?
A title escrow is a secure holding of funds and documents by a neutral third party until all conditions of a real estate transaction are met.
What is a title opinion?
A title opinion is a written legal assessment by an attorney regarding the quality and status of a property’s title.
Can a title transfer be contested after closing?
While it’s possible, once a property sale is completed and the new title is recorded, contesting the transfer becomes more complex.
What is a mechanic's lien and how does it affect a property's title?
A mechanic’s lien is a claim by a contractor or supplier for unpaid work or materials. It can affect a property’s title by clouding ownership until the debt is resolved.
What is a quiet title action?
A quiet title action is a legal process used to resolve disputes or uncertainties regarding property ownership.
Do I need to purchase title insurance if I'm paying cash for a property?
While it’s not legally required, purchasing title insurance is highly recommended to protect your investment.
Can I use the same title insurance company as the seller?
While it’s possible, it’s often advisable to choose your own title insurance company to ensure unbiased protection.
Can I sell a property if there is a judgment against the title?
In most cases, a judgment lien must be resolved before selling a property, as it can affect the property’s transfer of ownership.
## Local expertise
Firstly, a local title company is likely to have a better understanding of the local real estate market such as it's laws and regulations. This can be evidently important if you are buying or selling property in an area that you are not obviously familiar with.
## Personalized service
For one thing, a local title company is more likely to provide personalized service and attention to your needs. They can often undeniably provide more responsive and timely communication, which can specifically help ensure a smoother transaction process.
## Faster turnaround times
With in-depth knowledge of the local real estate market, we can surely provide you with efficient and unquestionably reliable service that can help you close deals faster. Navigate the complexities of the real estate market by all means with ease and get the results you need in a timely and cost-effective manner.
## Local relationships
A local title company may have many established relationships, for instance with local real estate agents, lenders, and other professionals involved in the transaction process.For one thing, this can significantly help facilitate communication, specifically with coordination between all parties involved.
## Support for the local community
By working with a local title company, you are supporting a local business and contributing to the local economy in particular. Surely, this can be without doubt a meaningful way to give back to the community while also receiving high-quality services without reservation.