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Collateral is the cornerstone of any commercial loan transaction, so North Carolina lenders could be in a tough financial predicament unless the engage in comprehensive due diligence. Title searches and analysis of collateral positions are essential tasks to protecting your interests.

At Howard Stallings, our attorneys have extensive experience representing financial institutions of all sizes. We advocate on behalf of state, national, and community banks, and many other types of lenders, in conducting title searches and in-depth evaluation of collateral for secured loans. Please contact our firm for more information on our legal services for lenders.

The Importance of In-Depth Title Searches

As a lender, you want to ensure that you’re on solid footing with respect to collateral for a loan. A title search will reveal any flaws in the title of real estate, such as:

  • Mistakes in recording;
  • Restrictive covenants;
  • Encumbrances, liens, or legal judgments;
  • Tax liens;
  • Easements; and,
  • Many other defects in title.

Some of this information is available online or at county offices, including Wake County and Craven County registers of deeds. In addition, other lien information is available from the North Carolina Secretary of State, which may reveal additional information on a piece of property. A comprehensive title search should also reveal:

  • Subdivision and plat maps;
  • Mineral extractions and resulting effects on structural integrity;
  • Encroachments on property;
  • Mechanic’s liens; and,
  • Access rights.

Contact Our Attorneys In Raleigh, New Bern or Morehead City

Our clients seeking representation in title searches and analysis of collateral positions trust Howard Stallings to advocate to mitigate their potential losses. Our reputation for litigation throughout North Carolina speaks for itself. Call us today at 919-821-7700 or contact our office online. Free parking is available at our locations.

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