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Commercial Title Insurance for Lending ProfessionalsCommercial Title Insurance for Lending Professionals
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The mortgage lender is a key player in the commercial real estate transaction. Our Commercial Loan Policies insure the priority and enforceability of the lender’s mortgage and provide protection for the lender if they suffer a loss as a result of a title defect. Title insurance is available for a low premium that is paid only once at the time of closing, and coverage is valid for the entire time the mortgage is outstanding.

Stewart Title is experienced in dealing with all types of lending institutions and with insuring both residential and commercial transactions of a variety of complexities. We offer a variety of endorsements to cover lender-specific issues such as variable rate loans, revolving credit loans, and situations when security covers a number of different properties.

We can also provide master policies that facilitate the closing process by providing lenders with a one-page extension certificate, referring back to the terms and conditions of the policy, and making reference to the particular information that is required to identify the property. Through the use of a master policy on a defined series of transactions, Stewart Title is able to provide standardized coverage to lenders.

Additional Advantages of Stewart Title’s Commercial Title Insurance

Protection Against the Unexpected There are areas where lawyers/ notaries cannot provide a legal opinion. Fraud, forgery, false impersonation, missing heirs or errors in the public record can all impact a commercial transaction. Title insurance offers protection against many unexpected matters.
Eliminates Closing Delays By underwriting known defects, encroachments or title problems, Stewart Title facilitates the closing of the transaction.
Saves Costs Title insurance may reduce the amount of due diligence and off-title searches required to close a transaction. Title insurance is available for a one-time premium.
Gap Coverage Registration of the mortgage on title and the advance of mortgage proceeds at closing may not occur at the same time, as there could be delays in the registration process. Title insurance protects against intervening liens claiming priority between closing and registration.
No-Fault Claims and Defense of Title Title insurance is no-fault based coverage. The claims process is straightforward and does not involve having to prove negligence. Stewart Title also covers legal fees and expenses associated with defending the insured’s title against claims arising from covered title risks.
Opportunity to Trade Mortgages on the world market with some degree of standardization.

Why Stewart Title?

An Industry Leader As one of the world’s leading title insurers, Stewart Title’s commercial portfolio is among the strongest and most impressive in the industry. We have provided customized coverage for some of the world’s best hotels, golf courses, resorts, office towers and business centres. This impressive portfolio ranges from smaller commercial sites to multi-site and cross-boarder transactions. See some our worldwide Spotlight transactions to find out more.
Canadian Expertise Each commercial property is unique and can present its own set of closing challenges. Our expertise is in providing lenders and owners with the best security, coverage and service available.
Underwriting Excellence Handling transactions that require special underwriting and risk analysis is what we do best. Our team is recognized as offering the knowledge and ingenuity necessary to handle today’s complex transactions.
Real Estate Investment Trusts (REITS) REITS have their own title insurance requirements and we can offer a custom-designed master policy for both purchase and mortgage transactions. Stewart Title has streamlined the policy issuing process to ensure a fast turnaround so that REIT transactions close on time. Whether it is a single or multi-site transaction, we can provide gap coverage between the advance of funds and the registration of closing documents.
Cross-Border Transactions It takes experience, responsiveness and dedication to complete all aspects of a cross-border transaction. From selecting the appropriate coverage to tying in loan policies for multiple sites, we have the resources to understand the nature of your transaction and how best to protect it.

Click to obtain a quote; order a policy or contact us for more information.

 
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