Quiet Title vs Quit Claim Deed

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“Quiet title vs quit claim deed: Before a home is sold, it must have an official title. Mortgage companies will only approve loans once they have determined whether the seller owns the property. Insurance companies cannot issue an insurance policy; you can only purchase an investment property if the title is unambiguous.”

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Quiet Title vs Quit Claim Deed

And, even more importantly, if the sale is booming with the correct title fixing, you could lose the property. Clear title, or clear title, is free of problems that could affect the ownership. This includes easements and boundary disputes.

They conducted an extensive search to confirm that the property’s title was free of any issues. You could use two methods to fix an unsound title. Although both can be used interchangeably, a quit claim deed and a silent title action have different meanings. Here, we will discuss in detail the Quiet title vs quit claim deed. Let’s start!


What Is A Quiet Title?

The quiet title suit is a type of lawsuit that seeks to establish property ownership. More than two individuals filed this suit when claiming to own the property so several parties could own it.

This could happen if the new owner says they’ve gained ownership through adverse possession. It could also occur if the seller fraudulently sells a property to two buyers with a false deed. It could happen if the bank fails to transfer the title after paying the mortgage. Many situations could make it suitable to file a quiet title suit.

But, the goal is to have a court decide who legally owns the property. This will silence any other claims. Although many states do have state-specific quiet title laws, they all will require the claimant to prove the same two elements. First, the claimant has to prove that they have a valid claim on the property.

In addition, they have to show that they purchased the land in good faith. If the claimant can prove they have a valid claim on the property, the court will approve an order to revoke the title and declare that the claimant’s right to the property overrides the claim of any other owner.


The Purpose of Quiet Title Actions

Quiet Title actions seek to settle disputes about real estate ownership by clearing the “clouds” on the title to real property. These” clouds” can include liens against the property, boundary and title disputes, claims made by prior owners, and other claims of property ownership.

If there are clouds on the property’s title, it could negatively impact its ability to sell or move the home. Also, it could hinder your ability to encumber the property through mortgages or make it collateral for a different type of loan.

For instance, you could take a silent title action in this case. Who will inherit the property if an owner dies and leaves no will? Suppose more than one individual has claimed ownership of this property. In that case, silent title action might be necessary to settle disputes related to property ownership.

Joint property ownership provides another reason to file a quiet title suit. In the case of a breach, for example, if one of the owners violates an agreement between the partners. The second owner may file a silent title action to obtain the full title of the property.

In the end, disputes between neighbours regarding the exact locations of property lines and easements that cross property owned by others are frequently the reason for silent title proceedings. Parties can settle these disagreements through a quiet deed transfer action.


Why Might You Need a Quiet Title Action?

A Quiet Title is a procedure that seeks to prove who owns the property. It’s used to determine a property’s ownership rights or challenge them on a property. You can also use it to clear the property title (in case of a clouded title).

  • When you purchase a new home.
  • If you are looking to purchase title insurance for your home,
  • When you buy a home after the death of the owner.
  • If the seller passes away before concluding the property sale.
  • And if the title to your property has any problems that could cause problems in the future, it is best to resolve them.
  • In tax sales and foreclosed purchases.
  • As an investor in real estate (to secure future financing or resell this property).
  • If you purchase a property, you could transfer it later.
  • Remove any cloud that may be present on your property’s title.


Basic Uses Of Quiet Title Action 

Many people use the quiet title for various reasons. The most popular are:


Estate Sale:

To resolve claims on property titles, especially when it’s unclear whether all heirs have been notified after an owner’s death.


Remove Lienholders:

When the mortgage was paid, they did not address the problem. It was a problem with the lender’s ownership interest.


Gaps in Title:

To transfer title to an asset that has been empty for a while and allows other parties to bid to purchase the property.


Quitclaim Deeds:

The transfer to the property owner through a quitclaim deed where the previous owner denies interest but doesn’t assure that the title is free of doubts.


Adverse Possession:

To transfer ownership of property, there is the case of adverse possession where an individual occupies property that is not legally theirs to lay claim to it.


Easement & Boundary Disputes:

To resolve issues related to access to land imposed through an easement or property line dispute between private entities or government organizations.

Another reason to settle title disputes peacefully is the need to solve tax-related disputes on the property. This includes errors in property surveys and fraud in property transfer. This fraud can be from coercion, forged deeds, or fraudulent deeds. Other reasons include disputes between nations over treaties. There are also claims from rival parties like lien holders. Finally, there needs to be more heirs or other claims.


What Is a Quit Claim Deed?

A quiet title action is a legal suit that removes someone else’s interest in your property. The quit claim deed can be an opportunity to transfer your ownership to someone else or allow them to share their interest with you.


What Is a Quit Claim Deed?


It’s quick, cheap, and practical if it is the best solution for your circumstances. It’s transferring all rights, titles, and interests in property documents from one owner to another. There needs to be assurance regarding the state on the title if you sign the Quitclaim deed.

Ensuring a title free of issues is essential if you’re handed property by a quitclaim deed following divorce or inheritance. This is among the quickest methods of transferring property in divorce.


Top Facts about Quitclaim Deeds

What is a quiet claim deed? Also known as a non-warranty or quitclaim deed, it conveys the interest the grantor currently holds in the property if it exists. The grantor simply “remises, releases, and quitclaims” their rights in that property back to its grantee. The title deed clarifies this by adding that the Grantor gives no warranty, implied or expressly stated, concerning the title of the property described in this document.

The person who gets the quiet claim deeds must have a right to the real estate. If they don’t, the grantee receives nothing from the quitclaim deed and has no warranty right to the owner.


They are suitable for transactions between people familiar with each other.

Since quitclaim deeds do not guarantee the authenticity of the title granted by the grantor, they are suitable for transactions between people familiar with each other and usually do not require a cash exchange.

Quitclaim deeds often transfer properties within a family. It can happen between parents, from an older age, and between siblings.

Married couples who live in an apartment together but later divorce may also use quitclaim deeds. When one person gets the home in a divorce settlement, the other can sign an order to quitclaim it. This ends their stake in the house and follows the court’s ruling.


You can use them to clear a title defect.

What deed is most commonly used to clear up clouds on a title? A quitclaim deed is typically used to fix a flaw (a ” cloud on the title”) in the record of the history of a property title. Title defects are problems with wording, such as a document that does not comply with state requirements.

They can also be missing signatures, like the signatures of spouses, or they cannot accurately document the title in real estate documents. For example, if the grantor’s name is misspelt on a warranty document recorded in the public record, the grantor could receive a quitclaim deed with the correct spelling, which would correct the title.

For example, suppose a title investigation uncovers an alleged spouse to a previous grantor. They may be beneficiaries of the property because they needed to sign an earlier deed correctly. In this instance, the property owner may require the spouse of the last grantor to sign a quitclaim deed, “quitclaiming” any interest they might hold within the home.


For Transferring Title As Effective As a Warranty Deed

A quitclaim deed could transfer title just as a warranty document if the grantor is in good title when the deed is handed over. However, the absence of warranties makes the quitclaim deed less appealing from a grantee’s perspective.

Defect, for instance, is not enforceable, and the grantee doesn’t have legally binding recourse to the owner in the deed. A quitclaim deed is typically employed when the grantor needs clarification on the validity of the title (whether it is defective) or does not want to take an obligation under the covenants of title.

Quitclaim deeds expose recipients to risks that the grantor does not cover. They are typically utilized between relatives and in cases where there isn’t any money exchange.


A Quitclaim Deed makes it easier for many grantors to repay a mortgage with the proceeds from selling the property.

Because of this, quitclaim deeds do not apply in cases in which the property is subject to an existing loan. Ultimately, it will be easier for many grantors to repay a mortgage with the proceeds from selling the property.

Occasionally, grantors can use quitclaim deeds when they own an outstanding mortgage. In this scenario, the grantor remains accountable for the mortgage even after ownership was transferred by signing the quitclaim deed. Quitclaim deeds convey title, but they do not alter mortgages.


Quiet title vs. quit claim deed/ Is There Any Difference Between?

There are many terms in real estate. Homeowners, landowners, and potential property owners must know them. So must agents, brokers, and others. Misapplying a phrase could make the difference between a landlord having an interest in the home (leased cost) and transferring the interest to tenants (leasehold).

Or, it could be the difference between someone buying a real property (condominium) and investing in a stake in the company that owns a property (cooperative). Many terms are similar in real estate but refer to two completely different things.

Two comprise “Quit Claim Deed” and “Quiet Title Action. This article will clear up any confusion. It will explain the differences between these two terms. This will also explain how to tell which applies to your situation. It will also tell the reasons why you should not misinterpret both.


The Basic Difference /Quiet Title vs Quit Claim Deed

Quit claim deed vs. quiet title: Quitclaim documents are a tool. They allow a property owner to transfer their interest in real estate to a third party. You can use this tool to share your interest in your property with a family member or friend. They can also use the tool to transfer ownership to you. It is fast, simple, and requires no legal procedures. The Qui claim document usually presents no challenges.

The quiet title is used to sever an individual’s interest in an investment property. Most people want someone to evict them from their property. This makes a quiet title action more complex. This procedure requires filing a formal lawsuit.


Does it Matter?

While the final result may be similar, the method is quite different. Using a silent title action is not advisable if it’s not required. This is because the process costs more and requires more time. The quitclaim deed needs the signature of both parties on the appropriate form and has to be filed with the court.

In certain situations, it is possible to use the quit claim deed but take a silent title action. After divorce, the best way to transfer property awarded to one spouse is by using a quiet claim deed.

If one spouse is absent and does not take the quitclaim document, the other spouse must file an action for quiet title to take ownership of the property. While these are two different approaches, the outcome is almost identical.


Bottom Line

Quiet title vs quit claim deed: Talk to the Attorney Real Estate Group lawyers if you’re involved with property transfers. Our knowledgeable real estate lawyers have over four decades of experience and can determine the appropriate tool to accomplish the task, depending on your circumstances. Contact us today for a first confidential consultation.

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