Fast. Affordable. Reliable Property Information.
Fast, Affordable Ownership & Encumbrance Reports Starting at $15
JAMS provides affordable Ownership & Encumbrance (O&E) reports for title companies, escrow companies, lenders, credit unions, fintech lenders, and other real estate professionals.
Our O&E reports provide an efficient way to obtain property ownership and recorded encumbrance information without automatically ordering a full title commitment.
$15
Standard O&E Report
$20
O&E Report with Last Vesting Deed
What Is an O&E Report?
Property Ownership and Encumbrance Information Without the Cost of a Full Title Commitment
An Ownership & Encumbrance (O&E) Report provides a summary of available property ownership information and reported encumbrances associated with a specific property.
Whether you're processing a home equity loan, evaluating collateral, reviewing property ownership, or managing a high-volume lending operation, JAMS can provide a cost-effective reporting solution.
O&E reports are commonly used by lenders, title companies, investors, and real estate professionals who need preliminary information about a property before deciding whether additional title research or a full title commitment is necessary.
Is an O&E Report Right for Your File?
An O&E report is not a full title search, a title commitment, or a title insurance product. It is a limited informational report and is not a substitute for title insurance or underwriting requirements. If your transaction requires a commitment or a policy, we can help coordinate those through appropriate title providers.
Information May Include
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Current reported ownership and vesting information
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Property address and assessor parcel number
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Legal description
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Most recent reported ownership transfer
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Vesting deed recording information
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Open mortgages and deeds of trust
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Reported judgments and involuntary liens
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Property tax and assessment information
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Available recorded document references
Reports are prepared using available property data and public records within the applicable search scope.
O&E Report Pricing
Simple, Transparent Pricing Starting at $15
No complicated pricing structures. No unnecessary extras. Straightforward O&E report pricing you can rely on.
STANDARD O&E REPORT
$15
per report
Ownership and Encumbrance report with relevant property ownership and recorded encumbrance information.
Recorded document copies are not included.
O&E REPORT + LAST VESTING DEED
$20
per report
Includes the O&E report plus a copy of the last recorded vesting deed when available.
FULL TITLE COMMITMENT
$250–$450
coordinated through appropriate title providers
Need a more comprehensive title product? JAMS can help coordinate full title commitments through appropriate title providers, with pricing generally ranging from $250 to $450 depending on location and search requirements.
COMMERCIAL PROPERTY
REQUEST A QUOTE
handled individually
Commercial properties and complex searches are handled individually. Contact our team for pricing and availability.
O&E reports are limited informational reports based on available property data and public records within the applicable search scope. They are not full title searches, title commitments, or title insurance products, and are not a substitute for title insurance or underwriting requirements. Pricing and availability are subject to the property, jurisdiction, search requirements, and availability of records.
Built for Businesses That Need Volume
Our pricing is designed to support title companies, lenders, and other businesses that regularly order property reports.
Our customers are free to establish their own resale pricing for reports purchased from JAMS.
Set your own resale pricing. JAMS pricing is designed as a wholesale-friendly source for businesses that regularly order property reports.
Who It's For
Who Uses Our O&E Reports?
Title and escrow companies
Mortgage lenders
HELOC lenders
Credit unions
Fintech lending platforms
Private and hard money lenders
Real estate investment companies
Other financial institutions
How Different Businesses Use Our Reports
Title Companies
Support preliminary property research, investor transactions, and high-volume order workflows without increasing internal staffing.
Mortgage Lenders & Private Money Lenders
Access ownership and reported lien information to assist with preliminary loan evaluations and property research.
Credit Unions & Financial Institutions
Obtain property information to support appropriate lending, servicing, and internal review processes.
Fintech Companies
Integrate outsourced property research into scalable lending, real estate, and financial technology operations.
Real Estate Investors & Investment Companies
Review property ownership, reported mortgages, and other available encumbrance information before proceeding with a transaction.
High-Volume Reporting
Built for High-Volume Lending and Title Operations
For companies ordering O&E reports regularly, JAMS can discuss custom ordering workflows, automation, and direct report delivery.
We want to make it easy for financial institutions and title operations to incorporate our reports into their existing processes.
One Report or Hundreds — We're Built to Scale
Whether your company processes a handful of O&E requests a month or thousands, JAMS can provide a consistent outsourced reporting solution with custom ordering workflows and direct report delivery.
Set Up a Business AccountOrder an O&E Report
Order an O&E Report Starting at $15
Complete the order form with the property details and the report you need. The complete property address (street, city, state, ZIP) is required so we can identify the correct records.
Standard O&E Report – $15
O&E Report with Last Vesting Deed – $20
Contact us to discuss custom high-volume ordering workflows
Do not include sensitive personal or financial documents in this form. Your order creates a service request; JAMS confirms scope and delivery details before the report is prepared. O&E reports are not title insurance and are not a substitute for underwriting requirements.
Fields marked with an asterisk are required.
Request received.
Thank you for contacting JAMS LLC. Your request has been received and routed to our team. We will respond to the email address you provided.
Something went wrong.
We could not submit your request. Please try again, or email us directly at sales@trythejam.com.
Fast Turnaround Without the Extra Staffing
Your Property Research Team, Without the Overhead
At JAMS, we understand that speed matters.
Our streamlined research and reporting process allows us to produce standard O&E reports efficiently while keeping pricing affordable.
Our turnaround goals:
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Most standard reports delivered within 1 business hour
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Standard service turnaround within 4 business hours
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Volume orders supported
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Additional time may be required for difficult counties, unavailable records, or complex searches
Orders requiring additional research will be communicated to the customer.
One Report or Hundreds — We're Built to Scale
Whether your company processes 50 transactions a month or 1,000, JAMS can provide a consistent outsourced reporting solution.
GET STARTED WITH JAMSHow to Get Started
Getting Started With JAMS Is Easy
Place an individual order through the order form above, or work directly with JAMS to establish an account and a streamlined ordering process.
Step 1 — Contact JAMS
Tell us about your company, the types of reports you need, and your anticipated monthly volume.
Step 2 — Establish Your Account
Our team will review your service needs, coverage areas, pricing, and preferred ordering and delivery procedures.
Step 3 — Start Ordering
Once your account is established, you can begin submitting orders through your assigned ordering process.
Account setup can typically be completed within 24 hours, subject to receiving the necessary business information and confirming service availability.
There is no need to hire additional research staff or develop your own reporting system.
Important Ordering Information
Place individual report orders through the order form on this page.
After you submit an order, JAMS confirms scope, availability, and delivery details before the report is prepared.
Companies ordering regularly can establish a business account to simplify ordering, delivery, and billing.
Account Setup
Set Up a Business Account for Regular Ordering
Tell us a little about your business, and we'll help you get started with volume ordering, custom workflows, and direct report delivery.
Place individual orders through the order form above.
JAMS will contact you to review coverage, pricing, and ordering procedures.
Standard business account setup can typically be completed within 24 hours.
Please do not include Social Security numbers, bank account information, or other sensitive personal information in this form.
Fields marked with an asterisk are required.
Request received.
Thank you for contacting JAMS LLC. Your request has been received and routed to our team. We will respond to the email address you provided.
Something went wrong.
We could not submit your request. Please try again, or email us directly at sales@trythejam.com.
FAQ
Frequently Asked Questions
What is an Ownership & Encumbrance Report?
An O&E report summarizes available information about property ownership, recorded mortgages, liens, and other encumbrances within the report's search scope.
How much does an O&E report cost?
Standard O&E reports are $15. Reports that include a copy of the last recorded vesting deed are $20.
Can lenders order O&E reports directly?
Yes. JAMS accepts O&E report requests from lenders, credit unions, fintech companies, and title and escrow professionals.
How quickly can I receive my report?
Most standard reports are targeted for completion within one business hour, with a standard four-business-hour turnaround, subject to record availability and search complexity.
Do I need an account to order?
Individual report orders can be placed through the order form on this page. Companies ordering regularly may also establish business accounts to provide consistent ordering, delivery, and billing procedures.
Can my title company resell the reports?
Yes. Business customers may establish their own resale pricing for reports purchased from JAMS.
Do O&E reports include recorded deeds?
The standard $15 report includes available recording references but does not include document copies. A copy of the last recorded vesting deed can be included for $20 total when available.
Does an O&E report replace title insurance or a title commitment?
No. An O&E report is a limited informational report based on available property data and public records. It is not a full title search, a title commitment, or title insurance, and it should not be treated as a substitute for title insurance or underwriting requirements.
Are O&E reports available nationwide?
Availability depends on the county, property, and available records. Contact JAMS with your coverage needs, and we'll confirm where service is available.
Can I order a commercial O&E report?
Commercial and complex searches require an individual quote. Contact our team to discuss the property and search requirements.
Can JAMS provide a full title commitment?
JAMS can coordinate title commitment services through appropriate title providers. Pricing generally ranges from $250 to $450, with commercial and complex properties quoted separately.
How long does it take to establish an account?
Standard business account setup can typically be completed within 24 hours after the required information has been received and service availability confirmed.
Stop Spending More Than You Need to on Property Research.
Your team has better things to do than spend hours collecting basic property information.
Let JAMS handle the research and reporting so your business can focus on closing transactions, serving clients, and growing.
O&E Reports Starting at $15
Fast turnaround. Straightforward pricing. Scalable service.
Disclosure
Ownership & Encumbrance reports are limited informational reports based on available property data and public records within the applicable search scope. They are not full title searches, title commitments, or title insurance policies, and are not a substitute for title insurance or underwriting requirements. They are not commitments to issue title insurance, guarantees of title, lien priority, or completeness of public records. Additional matters may exist that are not reflected in the report. Availability, search coverage, turnaround times, and document retrieval depend on the applicable jurisdiction and records. JAMS provides operational support and is not licensed as a title insurer, underwriter, escrow provider, or attorney; where licensing or authorization is required, licensed and regulated functions are performed by appropriately authorized parties.