https://orders.mytitlegenius.com/_next/static/chunks/pages/educational-content-53f464196ee841e0.js

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1ights associated with ownership of a property, including the rights to possess, control, and transfer."}),(0,s.jsx)(o.A,{className:e.term,children:"Lien: a charge or encumbrance upon property for the satisfaction of a debt or other duty that is created by agreement of the parties or by operation of law."}),(0,s.jsx)(o.A,{className:e.term,children:'Title defect: a claim or encumbrance affecting one\'s ownership interest in real property or preventing the transfer of "marketable title."'}),(0,s.jsx)(o.A,{className:e.term,children:"Title commitment: a promise to issue a title policy after closing, and a written roadmap outlining the requirements that must be met before a title policy will be issued, as well as the applicable terms, conditions, exceptions and exclusions that will be in the final policy."})]})};var g=(0,r.n9)()(function(e){return{root:{display:"flex",gap:e.spacing(4),flexWrap:"wrap",color:"#000",fontFamily:'"Messina Sans"',fontSize:"21px",fontStyle:"normal",fontWeight:400,lineHeight:"35px",alignself:"sretch"}}});let y=function(e){var t=e.description,n=g().classes;return(0,s.jsxs)(a.A,{className:n.root,children:[(0,s.jsx)(u,{text:t}),(0,s.jsx)(f,{})]})};var x=(0,r.n9)()(function(e){return{root:{display:"flex",justifyContent:"center",marginTop:e.spacing(4),padding:e.spacing(0,2)},container:{width:1184,maxWidth:"100%",padding:e.spacing(4),backgroundColor:e.palette.common.white,borderRadius:8,display:"flex",flexDirection:"column",gap:e.spacing(4)}}});let b=function(){var e=x().classes;return(0,s.jsx)(a.A,{className:e.root,children:(0,s.jsxs)(i.A,{className:e.container,elevation:0,children:[(0,s.jsx)(h,{title:"Title insurance simplified: understanding the shield that helps protect your property rights.",subtitle:"Title Insurance Basics: What is Title Insurance?"}),(0,s.jsx)(y,{description:"Title insurance helps protect you against losses resulting from certain covered title defects or adverse claims that\noriginated before purchasing your home or in connection with your purchase transaction. Examples of covered title risks include\nadverse claims due to forgery, fraud, or undue influence in a prior deed in the chain of title; liens securing unpaid taxes or debts\nincurred by a previous owner, and other ownership claims, such as unidentified easements or claims of unknown heirs of previous\ntitle holders, that are not discovered after closing*."})]})})};var w=n(33541),v=n(14698),j=n(49046),S=n(64983),A=n(39744),N=n(57568),F=(0,r.n9)()(function(e){return{root:{boxShadow:"none","&:before":{display:"none"},"&.Mui-expanded":{margin:0},borderBottom:"1px solid ".concat(e.palette.primary.main)},summary:{padding:e.spacing(2,0),"& .MuiAccordionSummary-content":{margin:0}},summaryText:{fontFamily:'"Messina Sans"',fontSize:"20px",fontStyle:"normal",fontWeight:400,lineHeight:"normal",color:"#000000"},details:{padding:e.spacing(0,0,2,0),fontFamily:'"Messina Sans"',fontSize:"14px",fontStyle:"normal",fontWeight:400,lineHeight:"20px",letterSpacing:"0.269px",color:"#000000"}}});let T=function(e){var t=e.question,n=e.answer,a=F().classes;return(0,s.jsxs)(j.A,{className:a.root,children:[(0,s.jsx)(S.A,{expandIcon:(0,s.jsx)(N.A,{}),className:a.summary,children:(0,s.jsx)(o.A,{className:a.summaryText,children:t})}),(0,s.jsx)(A.A,{className:a.details,children:n})]})};var k=[{q:"What makes titlegenius by Radian so special?",a:(0,s.jsx)(s.Fragment,{children:"Titlegenius by Radian helps make closing on your home simple, transparent, and potentially a little less expensive. Our innovative digital platform walks you through the closing process, step by step — from contract to keys. With the right balance of people, resources, and technology, we'll help you close with confidence."})},{q:"How does it work?",a:(0,s.jsxs)(s.Fragment,{children:["After entering some basic information into the titlegenius by Radian platform, you will receive an quote for title insurance in your state. Get your free quote ",(0,s.jsx)("a",{href:"/",target:"_blank",rel:"noopener noreferrer",children:"here"}),"! Once you place your order, you'll create an account. Here, we'll walk you through all the necessary steps to prepare for closing. You can upload documents and receive to-the-minute updates and alerts on your transaction. So, you'll always know exactly where you stand in the homebuying process."]})},{q:"Can my real estate agent see my file?",a:(0,s.jsx)(s.Fragment,{children:"Yes! Once you enter your agent's contact information into titlegenius by Radian, they'll be invited to the platform. From that point on, you and your agent will both have access to your order. No more emails or phone calls back and forth. You'll always be on the same page."})},{q:"Why does my order say Radian Settlement Services Inc., rather than titlegenius?",a:(0,s.jsxs)(s.Fragment,{children:["Titlegenius by Radian is the digital platform that provides you and your agent full visibility into your title order and the entire closing process. Radian Settlement Services Inc. is the title and settlement services provider behind your order. Both titlegenius by Radian and Radian Settlement Services Inc. are owned by Radian Group Inc. In some states where Radian Settlement Services Inc. is not licensed, Radian Title Insurance Inc. or Radian Title Agency of Texas LLC may appear on your order. For more licensing information, ",(0,s.jsx)("a",{href:"/lice

1nsing-disclosure-info",target:"_blank",rel:"noopener noreferrer",children:"click here"}),"."]})}],W=(0,r.n9)()(function(e){return{root:{display:"flex",justifyContent:"center",marginTop:e.spacing(4),padding:e.spacing(0,2)},container:{width:1184,maxWidth:"100%",padding:e.spacing(4),backgroundColor:e.palette.common.white,borderRadius:8},header:{fontFamily:'"Messina Sans"',fontSize:"30px",fontStyle:"normal",fontWeight:700,lineHeight:"40px",color:"#000"},hr:{margin:e.spacing(1,0,3,0),borderColor:e.palette.primary.main},ctaBox:{display:"flex",justifyContent:"center",marginTop:e.spacing(3)},ctaButton:{textTransform:"none",borderRadius:50,padding:e.spacing(1.5,4),fontSize:"1rem"}}});let R=function(){var e=W().classes;return(0,s.jsx)(a.A,{className:e.root,children:(0,s.jsxs)(i.A,{className:e.container,elevation:0,children:[(0,s.jsx)(o.A,{className:e.header,children:"Learn more about titlegenius\xae by Radian"}),(0,s.jsx)(w.A,{className:e.hr}),k.map(function(e,t){return(0,s.jsx)(T,{question:e.q,answer:e.a},t)}),(0,s.jsx)(a.A,{className:e.ctaBox,children:(0,s.jsx)(v.A,{component:"a",href:"/",target:"_blank",rel:"noopener noreferrer",variant:"contained",color:"primary",className:e.ctaButton,children:"Get a Free Quote!"})})]})})};var q=(0,r.n9)()(function(e){return{header:{fontFamily:'"Messina Sans"',fontSize:"30px",fontStyle:"normal",fontWeight:700,lineHeight:"40px",color:"#000"}}});let C=function(e){var t=e.text,n=q().classes;return(0,s.jsx)(o.A,{className:n.header,children:t})};var M=(0,r.n9)()(function(e){return{banner:{width:"100%",backgroundColor:"#E8F9F7",display:"flex",padding:"32px",alignItems:"flex-start",gap:"32px",alignSelf:"stretch",flexDirection:"column",borderRadius:"8px",background:"var(--Main-Colors-RDN-bg-Teal, #F2FBFB)"},question:{color:"var(--MIO-Main-Colors-AA-Teal, #00807A)",fontFamily:'"Messina Sans"',fontSize:"24px",fontStyle:"normal",fontWeight:400,lineHeight:"normal"},description:{color:"#000",fontFamily:'"Messina Sans"',fontSize:"16px",fontStyle:"normal",fontWeight:400,lineHeight:"normal"}}});let I=function(e){var t=e.question,n=e.description,i=M().classes;return(0,s.jsxs)(a.A,{className:i.banner,children:[(0,s.jsx)(o.A,{className:i.question,children:t}),(0,s.jsx)(o.A,{className:i.description,children:n})]})};var z=n(54587),H=n.n(z);let E=function(e){var t=e.src,n=e.alt;return(0,s.jsx)(a.A,{width:"100%",height:"648px",alignSelf:"stretch",sx:{aspectRatio:"140/81"},children:(0,s.jsx)(H(),{src:t,alt:n,layout:"responsive",width:1184,height:409,objectFit:"contain"})})};var B=n(83243),_=[{question:"What is a title search?",answer:"A title search involves researching public records to determine that the Seller is in fact the rightful owner of the property and uncover adverse claims, liens, and possible title defects that may affect the ownership rights to the property being purchased unless addressed. For this reason, title searches must be completed before a title commitment is issued."},{question:"How does the title process work?",answer:"A title search will be conducted. Once a title search is obtained, it is reviewed to determine which matters need to be addressed on the commitment. After that, information is gathered to determine how to clear any liens, such as obtaining payoff statements for the seller’s mortgage and any unpaid taxes, and achieve marketable title – meaning title that is subject to no reasonable doubt as to its validity or freedom from encumbrance and that can be reasonably sold, purchased, or mortgaged."},{question:"What happens at closing and after?",answer:"Following closing, the title company will disbur

1se funds as authorized — including charges for title insurance, recording fees, commissions, and loan payoffs. The title company will also make arrangements for the recording of deeds and any other documents necessary to perfect the buyer’s title. Lastly, the title company will issue the title insurance policies and prepare and distribute final accounting statements to all parties."},{question:"When do I get my title insurance policy?",answer:"The last step of the closing process is the issuance of the title insurance policy. After confirmation that all appropriate steps were taken to close the transaction (recording of the deed and mortgages, required payoffs made to the appropriate parties, and all other conditions on the commitment met, including payment of applicable premiums) then the title insurance policy is issued and sent to the insured parties."},{question:"Understanding Your Policy",answer:"Your owner’s title insurance policy lasts as long as you own the property with no renewal needed. Be aware that lender’s title insurance policies protect only the mortgage lender’s interest in the property, not the homeowner’s. Title insurance doesn’t cover property damage like fire or theft—that’s what homeowner’s insurance is for. Who pays for title insurance varies by location and can sometimes be negotiated between the buyer and seller."},{question:"Do I get to pick my own title company?",answer:"Yes! And you should shop around to find a great rate. Your real estate agent may recommend a specific title company, but you have the right to choose your title provider."}],D=(0,r.n9)()(function(e){return{root:{display:"flex",justifyContent:"center",padding:e.spacing(0,2)},container:{width:1184,maxWidth:"100%",padding:e.spacing(4),backgroundColor:e.palette.common.white,borderRadius:"0 0 8px 8px"},item:{display:"flex",padding:32,alignItems:"flex-start",gap:32,flex:"1 0 0",borderRadius:8,backgroundColor:"#F2FBFB",flexDirection:"column"},question:{fontSize:"24px",fontWeight:400,fontFamily:'"Messina Sans"',color:"#00807A",marginBottom:e.spacing(1)},answer:{color:"#000",fontFamily:'"Messina Sans"',fontSize:"16px",fontStyle:"normal",fontWeight:400,lineHeight:"normal",flex:1}}});let O=function(){var e=D().classes;return(0,s.jsx)(a.A,{className:e.root,children:(0,s.jsx)(i.A,{className:e.container,elevation:0,children:(0,s.jsx)(B.Ay,{container:!0,spacing:4,children:_.map(function(t,n){return(0,s.jsx)(B.Ay,{item:!0,xs:12,md:6,children:(0,s.jsxs)(a.A,{className:e.item,children:[(0,s.jsx)(o.A,{className:e.question,children:t.question}),(0,s.jsx)(o.A,{className:e.answer,children:t.answer})]})},n)})})})})};var Y=(0,r.n9)()(function(e){return{root:{display:"flex",justifyContent:"center",marginTop:e.spacing(4),padding:e.spacing(0,2)},container:{width:1184,maxWidth:"100%",padding:e.spacing(4),backgroundColor:e.palette.common.white,borderRadius:"8px 8px 0 0",display:"flex",flexDirection:"column",gap:e.spacing(4)}}});let L=function(){var e=Y().classes;return(0,s.jsxs)(a.A,{children:[(0,s.jsx)(a.A,{className:e.root,children:(0,s.jsxs)(i.A,{className:e.container,elevation:0,children:[(0,s.jsx)(C,{text:"The Title Process Explained"}),(0,s.jsx)(I,{question:"Who chooses title insurance?",description:"The party responsible for selecting title insurance varies by location—our map outlines which party typically chooses title insurance in each area and can sometimes be negotiated between the buyer and seller."}),(0,s.jsx)(E,{src:"/images/EducationalContentMap.svg",alt:"US map showing who chooses title insurance"})]})}),(0,s.jsx)(O,{})]})};var P=(0,r.n9)()(function(e){return{banner:{width:"100%",height:160,background:"linear-gradient(166deg, #0F2583 0%, #76034A 100%)",display:"flex",alignItems:"center",justifyContent:"center"},title:{color:e.palette.common.white,textAlign:"center",fontFamily:"Messina Sans",fontSize:"48px",fontStyle:"normal",fontWeight:400,lineHeight:"56px",leadingTrim:"both",textEdge:"cap"}}});let G=function(){var e=P().classes;return(0,s.jsx)(a.A,{className:e.banner,children:(0,s.jsx)(o.A,{className:e.title,children:"Title Education"})})},U=function(){return(0,s.jsxs)(a.A,{sx:{display:"flex",flexDirection:"column",width:"100%",backgroundColor:"#EEF0F2"},children:[(0,s.jsx)(G,{}),(0,s.jsx)(b,{}),(0,s.jsx)(L,{}),(0,s.jsx)(R,{}),(0,s.jsx)(c,{})]})}}},e=>{e.O(0,[4587,338,636,6593,8792],()=>e(e.s=62197)),_N_E=e.O()}]);