Chain of Title
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Chain of title is the chronological record of every owner of a property from the earliest record to the present.
What Chain of Title means
A clear, unbroken chain proves the current seller has the right to convey. Gaps or defects must be resolved before clear title can pass.
Florida example
A Florida title examiner traces the chain of title and finds an old deed never properly recorded. Fixing the gap ensures the buyer receives marketable title backed by title insurance.
What it is
The chain of title is the full history of ownership for a property. It traces every transfer from past owners to the current one.
A clean chain means clear ownership with no gaps.
Why it matters
A break or gap in the chain can cloud your ownership. A title search confirms the chain is solid before you close.
We work with title partners to verify it. Reach out and we will keep your ownership secure.