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In real estate, the title refers to your legal concept of ownership over the building or property. A title can be either full or partial, meaning another party may also hold the rights to the property. Possessing a title implies a few different rights, including the right to access the property, use it as you wish, and transfer it to another party completely or in part. As a title company in Peoria, IL, River City Title understands all the legal intricacies that come with holding a title. We’re here to help you. We also serve East Peoria, Morton, Pekin, and Washington for all your title needs, so give us a call today!

At River City Title, we recognize how important a prompt turnaround for closing proceedings can be. If any documents are delayed, the entire process can be put on hold for the foreseeable future, which is only bad for business for our clients. Our friendly and knowledgeable staff cannot allow such an event to occur, which is why we go above and beyond to ensure all closings are completed in a prompt and timely manner.

Banks often loan money out to finance a real estate purchase, property improvements, or home equity lines of credit. In exchange for the loan, the bank often charges the property owner an exorbitant amount of interest and requires a signature on a mortgage. Should the owner fail to repay the loan, the bank may foreclose on the mortgage and take ownership over the property. On occasion, the bank may allow the homeowner to refinance their mortgage. In this process, a title company like River City Title becomes involved.