About ClearStream Title

Why ClearStream Title?

Hands holding a model house

Experienced, Dedicated Title Agents

At ClearStream Title, we have the most experienced and dedicated title, escrow, and settlement officers in the business working to make sure your transactions get to closing day as quickly and efficiently as possible.

Downtown Grand Rapids

Local Expertise

As a fixture of the West Michigan community for over 10 years, you can rely on our local expertise and industry-wide knowledge to help you close on time, every time. We deliver the results you expect.

Our Mission

To provide first class customer service with exceptional speed. We believe that the enthusiasm and professionalism of our staff are the keys to our success.


Markets Served

We service all of the State of Michigan including Greater Grand Rapids, Rockford, Ada, Cascade, Wyoming, Walker, Caledonia, Grandville, Grand Haven, Holland, Muskegon, and more!


Residential & Commercial

We service both residential and commercial clients in a variety of title, escrow, refinancing, closing, and settlement matters.

Fast, Efficient Closings

We provide mobile closing services throughout Michigan as well as convenient online ordering to make the closing process go as smoothly as possible.


Our Staff

With a variety of full-time title and closing professionals, as well as an attorney on staff with 20 years experience, we can service all of your residential and commercial title needs.


Our Underwriters

We are an independent agent of Fidelity National Title® and Stewart Title®, two of the nation’s largest title insurance underwriters.

Meet Us

Kevin Hansen

Kevin A. Hansen
Managing Member
khansen@clearstreamtitle.com

Jim Shull

Jim Shull
Senior Account Executive
jshull@clearstreamtitle.com

Lauren McConkie

Lauren McConkie
Senior Settlement Agent
lmcconkie@clearstreamtitle.com

Erica Jarvis

Jamie Seville
Sales Representative
jseville@clearstreamtitle.com

Our Underwriters

stewart

Frequently Asked Questions

What is a Title?

A title is the evidence, of right, that a person has to the ownership and possession of land. It is possible that someone other than the owner has a legal right to the property. If that right can be established, this person can claim the property outright or make demands on the owner as to its use.

Do I Need Title Insurance?

YES! Title insurance is a means of protecting yourself from financial loss in the event that problems arise regarding the rights to ownership of your property. There may be hidden title defects that even the most careful title search will not reveal. In addition to protection from financial loss, title insurance pays the cost of defending against any covered claim.

Why is Title Insurance important?

Title insurance plays a major role in making certain home ownership is safe and secure. The title insurance company protects against loss due to any defect in title, and in the event any problems should arise, it is the title company’s obligation to provide legal support. A reputable title insurance company offers reliable purchasing information, insight into historic matters of importance, and the security of a state licensed and regulated company.

What Kinds of Problems can a Title Search Reveal?

A title search can reveal any party that might have an interest in the property, as well as a number of title defects, liens, or other restrictions. For example, things like outstanding taxes, unsatisfied mortgages, and judgments against any recent owner, as well as restrictions on the use of the land may require an extensive search.

But the Lender Already Requires Title Insurance, Won’t That Protect Me?

Not necessarily. There are two types of Title Insurance. Your lender likely will require that you purchase a Lender’s Policy. This policy only insures that the financial institution has a valid, enforceable lien on the property. Most lenders require this type of insurance, and typically require the borrower to pay for it.
An Owner’s Policy on the other hand is designed to protect you from title defects that existed prior to the issue date of your policy. Title troubles, such as improper estate proceedings or pending legal action, could put your equity at serious risk. If a valid claim is filed, in addition to financial loss up to the face amount of the policy, your owner’s title policy covers the full cost of any legal defense of your title.

How Much Does Title Insurance Cost?

Normally a lot less than you may think. Generally, the cost of title insurance (including the search, examination and related services) is about one percent or less of the value of the property. This premium is not paid annually, but it is a one-time fee usually paid at the closing.

What Items are Needed at Closing?

When closing with ClearStream Title, we will inform you of what documents and check amounts you need to bring; however, here is a is a list of regular items that are needed are the time of closing:

Buyer

  • Buyer’s copy of purchase agreement
  • Cashier’s check(s) for payment of all associated fees
  • Proof of purchase of insurance for fire, casualty, etc.
  • Invoices for any unpaid taxes, utilities, or assessments
  • Photo identification (passport, driver’s license, or state-issued identification card)

Seller

  • Seller’s copy of purchase agreement
  • Invoices for any unpaid taxes, utilities, assessments, and latest utilities meter readings
  • Receipts for last payment of interest on mortgages
  • Bill of Sale of personal property covered by the purchase agreement
  • Any unrecorded instruments that affect the title
  • Proof of satisfaction of any mechanics’ liens, chattel mortgages, judgments, or mortgages that were paid prior to the closing
  • Photo identification (passport, driver’s license, or state-issued identification card)

Customer Satisfaction

Couple in front of recently purchased house

At ClearStream Title, our top priority is our customer’s satisfaction. Our mission is to provide first class customer service with exceptional speed.

We are constantly trying to improve our service and invite you to fill out our customer feedback survey. We truly value our client’s input and welcome your feedback.

Customer Feedback Survey

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