well--PURSUANT to your legal opinion--you OBVIOUSLY do NOT practice law in North Carolina...where it is a RACE STATE--ie he who gets the courthouse FIRST WINS......
And you make it sound so simple--according to YOU--SO WHAT if an intervening lien  is filed...no biggie--we'll just have it released--SO WHAT if whomever has been responsible for performing the closing and insuring title hasn't followed the lenders instructions..no big deal--that's what E&O insurance is for...right....you should know that..after all you ARE a lawyer