MBS Title Agency
Serving the Saginaw Bay Area since 2004
Title Insurance
Title insurance is a type of insurance that protects the lender and the homeowner against any potential title defects or ownership disputes that may arise. The title agency will issue a title insurance policy that provides coverage for any losses or damages that may occur as a result of title issues.
Title Searches
A title search is a process of examining public records to determine the legal ownership and history of a property. The title agency will perform a title search to ensure that the property's title is free and clear of any liens, judgments, or other claims.
Closing & Settlements
The title agency will coordinate and facilitate the closing and settlement process for a real estate transaction. This may involve preparing and reviewing documents, conducting the closing, disbursing funds, and recording the transaction with the appropriate government agencies.
Meet the Team
Trisha Poynter
I have been in the industry for 30 years. I started with Bliss Abstract in 1992, then the company was sold to Metropolitan Title and then Split from them to form a joint venture with MBS Title in 2004. When I started in 1992, I was filing and typing commitments. Since then, I have done pretty much everything. I have been the Manager since 2000. I do believe with the two co-workers that I have we are the best title company around. We strive to do the best we can for each customer. I do enjoy spending time with my family when I am not at work, but I consider my co-workers family as well.
Deb Hecox
My first job in the title industry started in 1998 with Title Quest, then I went to Metropolitan Title in 2001. I joined MBS Title when Metropolitan formed a joint venture with them in 2004. Since the three of us have known and worked with each other for so long, I feel that makes us the strongest title company around!
In my spare time, I enjoy spending time with my husband, my two daughters and son-in-law, and my dog, Sadie. I have lived in Bay City my whole life and I have really enjoyed being a part of the many closings we have had over the years!
Lori Pfund
I have been in the industry for 27 years and have lived in Bay County most of my life. I am currently employed with MBS Title Agency as an Escrow Officer. I worked at Wolverine Bank and Metropolitan Title Agency until they merged with First American Title Agency. I was employed there for 20 years as an Escrow Officer. I love my job and enjoy working with Deb and Trisha daily to get the job done. I enjoy spending time with my husband, family, friends, and my co-workers. In my opinion, I think MBS Title Agency is the best title agency around.
Frequently Asked Questions
What Is Title Insurance and Why Do I Need It?
Title insurance protects you from financial loss due to issues with a property’s ownership history, such as liens, errors, or undisclosed heirs. It ensures that your ownership rights are secure and helps cover legal costs if a title dispute arises.
What Happens at a Real Estate Closing?
A real estate closing is the final step in the transaction where all documents are signed, funds are transferred, and ownership of the property is officially recorded. The title company coordinates the process to ensure everything is accurate, legal, and completed smoothly.
What’s the Difference Between an Owner’s Policy and a Lender’s Policy?
An owner’s policy protects the buyer’s ownership rights for as long as they own the property, while a lender’s policy protects the mortgage lender’s financial interest in the property. The lender’s policy is typically required for financing, but it does not protect the homeowner.
How Does the Title Search Process Work?
A title search involves reviewing public records to verify the property’s ownership history and identify any liens, claims, or legal issues. This process ensures the title is clear before closing and helps prevent future ownership disputes.
Can You Buy a Home Without Title Insurance?
Yes, you can buy a home without title insurance, but it’s not recommended due to the risk of undiscovered title issues. Without it, you could be responsible for legal costs or financial losses if ownership disputes arise later.
