What Michigan Home Buyers Should Know About Title Risks in New Construction?

Buying or building a new home is very exciting, but don’t assume” new “means “No Problems”.

Even new construction in Michigan may always have hidden risks that could affect your investment.

Blue Pointe Title is a trusted local title agency in Adrian, Michigan.

We have clients throughout Michigan and have seen firsthand the problems an unsuspecting title can cause that will delay a closing, delay a move date, or cause issues for the homeowner well into the future.

4 Common Title Risks to New Construction

You may be asking yourself, What type of risks could there be when no one has lived in the house yet?

Here are the top risks Michigan homeowners face:

1. Liens from an unpaid contractor or supplier – If a builder does not pay a subcontractor, regardless of what your purchase contract states, a mechanics lien can be placed against your new home/real estate.

2. Prior disputes with land – The land on which your new home is built may have a long history itself, possibly including unpaid liens, easement disputes, or even disputes over ownership.

3. Errors – A minor error, such as a typographical mistake in the County Recorders' office, may cloud your title.

4. Subdivisions and parcels – Lots may be misidentified or the plat where your new home sits may be improperly recorded, leading to confusion over what land you actually own.

Unlike other types of risk in the real estate transaction, if any of these title issues arise on the new construction post-closing and you do not have title insurance for new construction homes in Michigan, it becomes your headache, not the builder’s.

How Blue Pointe Title Helps Protect You?

That's where Blue Pointe Title in Adrian, MI comes in. We provide new construction title insurance services across Michigan at a transaction level to provide peace of mind to homeowners, builders, and lenders who are hopefully destined to avoid sudden and unnecessary costs related to their new construction project.

Here's how we help:

1. Comprehensive Title Searches – We dig deep to uncover any errors, previous liens, or disputed claims against the property, all before it interferes with your closing.

2. Escrow & Construction Draw Services – We hold the money and pay the contractors on behalf of the homeowner, while also ensuring that all liens get properly signed and waived by the contractor once the draw has been paid.

3. Communication – We communicate at our client's pace and comfort level to provide assurance that their investment is safe and protected.

4. Local company with Statewide clientele – We are based in Adrian, MI, but we build relationships with clients all over Michigan with the same methodical detail.

Whether you're anxiously waiting to close on your new home or a 10+ unit build, Blue Pointe Title will provide a sense of comfort when protecting your new construction project in Michigan.

Keep Your New Home Safe

Don’t let the nature of the title risk ruin your largest financial investment. Team with Blue Pointe Title, your trusted and local agency in Adrian, Michigan, and assist new homeowners and builders across Michigan.

📞 Call us today at (517) 258-1511 or email our team to get a quote and find out how we help and protect your new construction project.

Once you trust that the risk has been eliminated, you can focus on the more important part, making a house a home.

• 📞 Call (517) 258-1511

• Or contact us online today to secure your owner’s title insurance policy.