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NorthStar Title Agency Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from NorthStar Title Agency, Property development, 15051 North Kierland Boulevard, 3rd Floor, Scottsdale, AZ.

NorthStar Title Agency is a woman-owned enterprise committed to delivering a
boutique experience for high-end residential and commercial transactions across the Scottsdale-
Phoenix market and beyond.

10/15/2026

A business plus its building. Here is what SOP 50 10 8.1 has the lender work through before an SBA-financed change of ownership with real estate can close.

A commercial real estate appraisal, whose value comes off the contract price to set the Business Purchase Price. A business valuation ordered by and prepared for the lender, since a buyer's or seller's report cannot be used, with a Quality of Earnings report added at $3 million and up. A site visit to the applicant and the business being acquired, dated in the file. An environmental questionnaire signed by the current owner or operator and dated within a year of the loan number. Then the SBA loan number itself, which is the date that decides which SOP applies and anchors the ownership lookback. And on a 504, the borrower must be occupying and operating the property when the closing package goes in.

None of those steps are surprises to a lender. Put together, they are the contract timeline.

We coordinate with your lender from the first day of escrow so title, escrow, and lender requirements land on the same day, and the closing date on the contract is the one you keep.

An Abstract of Title is a summary of the key documents that affect a property's ownership history.It includes deeds, mor...
10/14/2026

An Abstract of Title is a summary of the key documents that affect a property's ownership history.

It includes deeds, mortgages, easements, liens, and any other recorded documents that have ever touched the property. Unlike a preliminary title report, which is a snapshot in time, an abstract provides the full historical record. It's a valuable tool for buyers, investors, and attorneys who want to understand every detail of a property's past.

We use abstracts to build a complete picture of the title before closing.

📞 (480) 454-6704 | 🌐 NorthStarTitleAgency.com

10/14/2026

Three questions worth asking before your buyer writes an offer on a business that comes with its building, with SBA financing behind it.

Who owns the buyer? Under SOP 50 10 8.1, all direct and indirect owners and every required guarantor must be U.S. citizens or U.S. nationals with a principal residence in the United States, and any entity owner must be organized here. The lookback runs six months before the SBA loan number is issued.

Is it a Special Purpose Property? That is a limited-market property whose design, materials, or layout tie it to one use. When the business operates from it, the lender may underwrite on projections where the appraised value fully secures the loan, the Quality of Earnings report is not required, and the term can extend to 25 years when 85% or more of project costs are real estate.

One loan or two? Business and real estate can be structured as separate loans, with a 504 on the property, or as one 7(a) blended on a weighted average. A 504 cannot be blended, and equity is allocated pro rata when the deal is split.

Surface these at the letter of intent and the contract timeline holds. We carry the answers from contract to closing.

10/13/2026

The SBA reissued its lending rulebook on October 1.

SOP 50 10 8.1 now governs every 7(a) and 504 loan that receives an SBA loan number on or after that date. For commercial brokers working a business purchase that includes the building, four rules in the change-of-ownership appendix shape the deal:

The real estate comes out of the purchase price. The lender removes the appraised value of owner-occupied real estate from the contract price to set the Business Purchase Price, and that number drives the financial due diligence.

The real estate share can carry a longer term. Business proceeds amortize over 10 years; the real estate portion can run up to 25, whether blended into one 7(a) or split into a separate loan.

The Quality of Earnings threshold is $3 million of business price, measured after the real estate is removed. It does not apply at all when the deal is an owner-occupied Special Purpose Property.

The 10% equity injection applies to the real estate too. It is allocated pro rata when the deal is split, and a 504 piece follows 504 contribution rules.

Each of these touches the closing. We set the closing date with the lender's process in view from the first day of escrow, so the date on the contract is the one you keep.

A Certificate of Title is a written opinion from a title company or attorney that confirms the current ownership and enc...
10/13/2026

A Certificate of Title is a written opinion from a title company or attorney that confirms the current ownership and encumbrances on a property.

It's prepared after a thorough title search and serves as a snapshot of the property's legal status before closing. Buyers, sellers, and lenders rely on it to proceed with confidence. We prepare every certificate with precision and care.

📞 (480) 454-6704 | 🌐 NorthStarTitleAgency.com

Arizona's largest private landowner isn't a developer or a rancher. It's the Yavapai-Apache Nation, which holds over 90,...
10/12/2026

Arizona's largest private landowner isn't a developer or a rancher. It's the Yavapai-Apache Nation, which holds over 90,000 acres of tribal land in and around the Verde Valley, home to the historic town of Camp Verde and the sacred peaks of Mingus Mountain.

The tribe's stewardship of this land reflects a deep connection to the region that predates Arizona's statehood by centuries. Understanding who holds title to the land is central to our work, whether it's a tribal nation, a family ranch, or a luxury developer.

📞 (480) 454-6704 | 🌐 NorthStarTitleAgency.com

A Sheriff's Deed is issued when a property is sold at a foreclosure auction or to satisfy a judgment. It transfers owner...
10/11/2026

A Sheriff's Deed is issued when a property is sold at a foreclosure auction or to satisfy a judgment. It transfers ownership to the winning bidder and is backed by the authority of the court.

Unlike a standard warranty deed, a Sheriff's Deed comes with no guarantees about the title's condition. It's a crucial document for investors purchasing distressed properties. We help buyers understand the implications of accepting one.

📞 (480) 454-6704 | 🌐 NorthStarTitleAgency.com

Title companies and real estate attorneys often work hand in hand to close a transaction.Title companies handle the titl...
10/10/2026

Title companies and real estate attorneys often work hand in hand to close a transaction.

Title companies handle the title search, escrow, and recording. Attorneys review contracts, resolve legal issues, and ensure compliance. Together, they provide a seamless closing experience. Whether you're buying or selling, having both on your side means nothing is overlooked.

📞 (480) 454-6704 | 🌐 NorthStarTitleAgency.com

A Lis Pendens is a recorded notice that a lawsuit has been filed affecting a property's title. It's Latin for "suit pend...
10/09/2026

A Lis Pendens is a recorded notice that a lawsuit has been filed affecting a property's title. It's Latin for "suit pending."

This document is filed to put potential buyers or lenders on notice that a legal claim is being made against the property. Until the lawsuit is resolved, selling or refinancing becomes difficult. We identify these filings early so buyers understand any legal risks before closing.

📞 (480) 454-6704 | 🌐 NorthStarTitleAgency.com

A title insurance policy protects you from financial loss related to defects in the title of a property.Unlike other typ...
10/08/2026

A title insurance policy protects you from financial loss related to defects in the title of a property.

Unlike other types of insurance that protect against future events, title insurance covers past events that could affect your ownership rights. This includes issues like forged documents, undisclosed heirs, old liens, or errors in public records. It's a one-time purchase that protects you for as long as you own the property.

We make sure your policy is complete and accurate before you close.

📞 (480) 454-6704 | 🌐 NorthStarTitleAgency.com

Address

15051 North Kierland Boulevard, 3rd Floor
Scottsdale, AZ
85254

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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