In the fast-paced world of real estate, buyers and sellers, real estate agents, and lenders alike depend on timely and accurate property data. A critical part of any real estate transaction is the title report—a document that helps identify potential issues like title defects, liens on the property, or questions about the previous owner. But what if all of this data could be delivered same day?
That’s where AFX Research, a nationwide title search company, is changing the game. By combining 30 years of industry expertise with cutting-edge API integrations, AFX provides same-day title updates to the lending industry—ensuring faster closings, fewer surprises, and more confidence for all parties involved.
A title report is a comprehensive summary of a property’s legal ownership history, any liens or encumbrances, and relevant covenants, conditions, and restrictions (CC&Rs). In essence, it ensures that a property’s title is "clear" before it can be transferred during a real estate transaction.
Knowing the difference is critical for real estate agents, buyers and sellers, and mortgage professionals who need to ensure a smooth closing process.
When AFX performs a title search, the first result generated is a preliminary title report. But what does preliminary status mean for real estate?
A preliminary report is an early version of the title report. It reveals any current liens on the property, outstanding debts, ownership history, and more. It’s not yet finalized or insured but serves as a critical tool to identify potential issues before they derail a deal.
By catching things early—whether it’s unpaid property taxes, a missing deed from a previous owner, or unresolved covenants, conditions and restrictions—lenders can act proactively and protect all parties.
AFX Research has taken the traditional, paper-heavy title process and upgraded it for the modern digital world. While many still search “title search company near me” and wait 3–5 days for results, AFX’s API-powered platform gives institutional clients a real-time, same-day title update experience.
Here’s how that compares:
| Feature | Traditional Title Company | AFX Research API-Powered Model |
|---|---|---|
| Turnaround Time | 3–5 business days | Same-day updates via API |
| Data Access | County-by-county manual lookups | Nationwide digital access |
| Liens, Judgments, Encumbrances | Delayed manual review | Instant flagging through API |
| Preliminary Reports | Paper or PDF | JSON, XML, or custom format |
| Integration with Lender Systems | Manual document upload | Seamless API integration |
| Update Frequency | One-time snapshot | Real-time change detection |
| Title Insurance Coordination | Separate third-party process | Compatible with insurer workflows |
In the lending world, speed and accuracy are everything. Whether you’re a mortgage broker, bank, or title insurer, delays in discovering liens on the property or title defects can jeopardize funding or even prevent someone from being able to sell the property.
AFX’s same-day title update system solves that with:
The result? Lenders stay compliant, agents move faster, and buyers and sellers benefit from less risk and more transparency.
After the preliminary title report, many lenders and buyers move on to secure title insurance coverage. But this insurance only protects against issues after the fact. That’s why AFX’s accurate title data is critical—because preventing problems is better than trying to fix them.
AFX’s reports help underwriters and title companies:
Because AFX works in tandem with major title company workflows, its same-day updates support the entire closing process.
AFX’s ability to deliver same-day title updates stems from robust API integrations that connect title data to:
By integrating directly into a lender’s workflow, AFX eliminates bottlenecks and provides scalable, on-demand title reporting—no more waiting, emailing, or wondering.
A successful real estate transaction depends on avoiding delays and surprises. From identifying types of title ownership (fee simple, joint tenancy, etc.) to checking for covenants, conditions and restrictions, the title report is your roadmap.
AFX’s digital process ensures:
In short: AFX delivers clarity, speed, and peace of mind.
With so much automation and AI in real estate, some question the role of a title search company. But legal ownership and title insurance coverage still depend on real humans checking records—just faster, smarter, and digitally enhanced.
AFX offers both the accuracy of traditional abstractors and the efficiency of modern APIs, ensuring no real estate agent, lender, or buyer ever needs to worry about:
Whether you’re a bank processing thousands of loans or a local broker looking to sell the property with confidence, you need a title partner that can scale.
AFX Research offers:
No need to search “title search company near me”—AFX is everywhere you need to be.
Today’s real estate market demands speed, accuracy, and technology. Whether you're wondering what is a title report, navigating the complexities of preliminary title reports, or trying to resolve title defects, AFX Research delivers answers—fast.
With real-time API integrations, digital workflows, and same-day data delivery, AFX makes it easier than ever to navigate the title process. From the performed title search to final title insurance coverage, your real estate transaction is in good hands.
Let AFX Research ensure a smoother, faster, and more reliable closing—because in real estate, every second counts.