Underwriting rigor behind every policy we issue.
Owner's and lender's policies backed by documented chain-of-title research — not automated database pulls. We surface encumbrances and ownership gaps before they become post-closing liability.
Owner's Policy
Coverage matched to each party at the table.
Protects the buyer's ownership interest against prior liens, fraud, forgery, and undisclosed heirs — for as long as they hold title. One-time premium, permanent protection.
Lender's Policy
Secures the lender's security interest against title defects that could impair the mortgage lien — required by virtually every institutional lender and secondary market investor.
Owner's and lender's policies serve different principals with different risk exposure. AAUM issues both, underwritten nationally, with a documented audit trail from search through commitment.
We catch what the other search missed.
Chain-of-title examination goes back to the root — not just the last sale. Every recorded instrument is reviewed for gaps, breaks, and unreleased encumbrances.
Lien, judgment, and tax searches are run against the vesting owner and all parties in the chain. Municipal and special assessment searches are included on every residential file.
A title commitment is issued only after our examiner signs off. The full audit trail — search, examination, commitment — travels with the file and remains available post-closing.
Ready to place your title order?
Send us the property details and we open the file the same business day. National underwriter backing, documented from search through policy issuance.