Cloud on Title
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A cloud on title is any claim, lien, or defect that casts doubt on a property's clear ownership.
What Cloud on Title means
Clouds include unpaid liens, recording errors, boundary disputes, or unresolved heirs. They must be cleared before a clean sale. A title search uncovers clouds, and title insurance protects against undiscovered ones.
Florida example
A title search on a Fort Lauderdale home found a cloud on title from an old contractor's lien. The seller paid it off before closing so the buyer received clear title.
What it is
A cloud on title is any claim or defect that questions clear ownership. An old lien, error, or unresolved heir can cause one.
It must be cleared before a clean sale.
Why it matters
A cloud on title can delay your closing until it is resolved. A title search finds these issues early.
We help clear title problems fast. Apply now and we will keep your purchase moving.