Clouds on Title

What Does It Mean to Have a Cloud on Your Home’s Title?

You’re excited to be selling your home. Or you found a fabulous house you want to buy. Then the closing attorney tells you there will be a delay, because a “cloud” was found on the title.

You inevitably ask yourself, what is a cloud on title?

A cloud on title is the term for a defect in the chain of ownership on a property. If there is a cloud, until it is fixed title underwriters will refuse to insure the new title. This typically means the seller can’t legally pass that title to the new buyer, and the buyer can’t own their new home. Read more