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[Music] hi everybody ben goldman here eastern title and settlement today id like to spend a few moments with you to tell you exactly what a title and settlement company does many of you have been through real estate settlements before and you never really see what we do 90 of what we do is in the background and some people think its just the person who shows up and says docHub docHub docHub its a lot more complicated than that so what happens is if youre purchasing a a property or or if youre refinancing someone will be sending us a request for title on a purchase were generally going to get a contract from your agent as well as a request from title from your lender if you are financing and if you are refinancing we would get a request from title from your lender as well we open the file we send our abstractor to work thats the person who does the courthouse search for us and provides us with a report called an abstractive title which contains two very important pieces