Mid Valley Title and Escrow Company is underwritten by First American Title Insurance Company, the largest company in the First American network. First American is the largest title insurer in the nation. First American offers title insurance services through a network of more than 300 offices and 4,000 agents in all 50 states, as well as abroad in Australia, the Bahama Islands, Canada, Guam, Mexico, Puerto Rico, the U.S. Virgin Islands and the United Kingdom. Closing services are also available in many First American offices.

Title insurance insures against loss sustained by an insured due to the condition of title being other than as insured. The beneficiaries of title insurance policies generally are real estate buyers and mortgage lenders. A title insurance policy protects the named insured against title defects, liens and encumbrances existing as of the date of the policy and not excepted from coverage. For a one-time premium, the policy remains in effect until the property is sold or refinanced.

Title Policies

EAGLE Protection Owners' Policy

Eagle Protection Owner's Policy is issued on qualifying single-family 1-4 residential units providing coverage and protection never before offered. The "Eagle" Policy is an ALTA Plain Language Owner's Policy with extended coverage including but not limited to building permit violations, post-policy forgeries, post-policy encroachment, living trust coverage and automatic property inflation coverage.

5-year, short-term rate

We give a short-term rate, that is, a substantially lower rate, if a title policy has been issued on the property within the last five years.

Binder rates for buyers planning to sell property within two years

We give this rate, normally to investors, if they sell the property within two years. The binder rate is the normal title rate plus 10%. At the close of the resale, the binder rate is refunded to the investor (minus the additional 10%).

If you need assistance with Title Insurance, please contact:

Roger Button V.P. & Chief Title Officer (530) 893-5644 E-Mail: rbutton@firstam.com