Our customers often ask us questions about municipal lien searches, HOA Estoppel letters and our services. Below you will find answers to some of the most frequently asked questions from our customers (click on arrow symbol for details):
A search conducted of unrecorded issues existing at the municipality. These problems would not be revealed by a title search or public record search. Issues found will in many cases become a lien against the property after the purchase.
Clear Choice specializes in the location and timely delivery of unrecorded lien searches. A traditional title search would not reveal these issues that could affect title or result in undisclosed fines that are linked to a property. The relationships we have developed in our 10 years allow us to provide complete reports in the fastest times possible. Missed items lead to missed closing dates. Additionally our 100% Accuracy is Guaranteed by a $1,000,000 E&O Policy.
An Estoppel search is done with the association or Management Company to verify outstanding balances can include past due assessments, special assessments, fees for violations through the association, legal fees, etc.
Not every property is handled by an association or management company. Associations do have the power to foreclose on a property for unpaid balances. Closing without verification of HOA / Management of the property could result in an issue.
Clear Choice Tax & Lien Service, Inc. uses every means available to expedite your searches to the proper authority. Courier and expedited service are used on every file to ensure your searches are being delivered to the municipality as fast as possible. In-House Courier, Direct Accounts, Expedited Delivery are used on every file to deliver your searches to the municipality which helps ensure the fastest turnaround times in the industry.
The base search fee for a lien search is $80 plus hard costs for a search including Lien; Code; Permit; Utility; Taxes. Estoppel searches are done for a base of $70 per association plus hard costs.
- These items can be searched for a standard fee plus hard costs. Additionally we offer verification of property registration on vacant or foreclosed properties.
- Yes. Ordering both a lien search and estoppel is recommended for all properties including condominiums. However, both can be ordered individually.
You can either call or go online to request to be registered as an agent. Once your account is active you can order directly from our custom order tracking software. We also accept Fax or Email Orders.
Your order status can be viewed 24/7 on our easy to use online web portal. Our Office and Knowledgeable agents are available from 8 a.m. – 6 p.m. to answer any questions you may have about your lien search.
We offer a 100% Cancellation Policy!
100% Cancellation Policy Exceptions:
- Client is limited to a maximum monthly cancellation of 30% of files in that month
- *Rush Searches where additional fees are paid to obtain the turnaround
- Multiple Folio Searches
- Updated Orders
- Team Metro Letters/DERM Letters/Zoning Letter
- Estoppel Searches
- Commercial Orders – Noncancelable
- Property Information Reports – Noncancelable
*Unless cancelled before money has been sent or otherwise agreed upon.
Clear Choice Tax & Lien Service, Inc. will send a monthly updated invoice.
We offer multiple payment options for your files including Pay Pal, Credit Card, & Check. Your clients can pay for the file with as little information as an invoice number.
Ownership and Encumbrance Reports, also known as O&E Reports or Current Owner Search, are a form of property research report that identifies the last recorded owner of a property, a legal description of the property, and open recorded liens that affect the title including mortgages, judgments, lis pendens, etc. Learn more: O&E Reports
An O&E Report is a simplified non-insurance title report designed for informational purposes only. It does not serve as or replace title insurance. This report is not intended to be used in conjunction with the issuance of a title insurance policy.
Clear Choice Tax & Lien has created a new product called FR/BAR Search. This product was developed in response to the updated 2017 FR/BAR Residential Contract for Sale and Purchase. This revised contract clarifies the definition of a Municipal Lien Search. This new contract goes into effect April 4, 2017 and the changes may impact your business. Learn more: FRBAR Search
Clear Choice Tax & Lien Service, Inc. has been in business since 2004.
Our prior experience in title insurance and closings helps understand your needs.
We have over 50 years of Title Experience! Many of our employees have been with us since Day 1. We carry a $1,000.000 E&O Policy for your protection. On Site Owner and Operations Manager!
Still Need Answers?
Contact Us: 954-597-7141 or Toll Free at: 800-256-4215 Or send us a Message:
Make Clear Choice Your First Choice!
One Stop Shopping for all your Municipal Lien Searches
and HOA Estoppel Letters
- 100% Guaranteed and backed by a 1 million E&O insurance policy
- Excellent customer service
- Fast Turnaround times