The title exam fee is paid to have a title examiner evaluate the chain of title of the previous owners of the subject property. The examiner will carefully review all conveyance deeds and security interests that 3rd parties have had in the property to get confirmation that all interests have been satisfied and released. The examiner will search for judgment liens against the current owner or previous owners. These liens may be tax liens, HOA liens, mechanics other liens that result from unpaid debts. Depending on the timing of the filing and specific details related to any liens found, the examiner will provide a report. The examiner will also search for judgments and liens against the new owner that may attach to the title after the purchase. That report is then reviewed by a licensed attorney for accuracy and to determine if further review and investigation are needed to clear any liens.