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Ideally, your title search uncovers nothing, which is a win. Likely this will be the case, as it’s common a title is “clean”, meaning that there are no claims that can arise against your ownership of the property. It’s not the case a hundred percent of the time, but I digress. You could discover liensRead more

What are closing costs? These are the fees required in order to get a loan or perform the closing, in the case that the buyer is paying cash, to close the amount of your down payment. These fees are also the administrative costs associated with buying a home. We’ve listed the most common ones below.Read more

“Taking Title” means that you become the legal owner of your home. A house title represents your legal rights of ownership and use of your residential property. So, that means that you have the right to use and enjoy the property, possession of the property, decide who can visit the property, you can also rent,Read more

We’ve told you what title insurance is, but how much is it going to cost? Well, in the State of Florida, which has a set rate that all title insurance companies charge, it depends on how much your home costs. $0 – $100,000 = $5.75 / $1,000 $100,000 – $1 Million = $5.00 / $1,000Read more

“I know what my lender is doing. I know what my real estate agent is doing. I also know what the seller is doing. But, I’m not entirely clear on what the title company will be doing.” Well, lucky for you, we know precisely what the title company is doing. The title company is taskedRead more

“Darkness cannot drive out darkness; only light can do that…”- Martin Luther King, Jr.Read more

You’re about to close on your new home, but before you need to figure out how you’ll hold the title to your new home. There are several options if you’d like to narrow them down this is what they are: Sole OwnershipThis means that the title is held solely under one name. If the soleRead more

Let’s go over a few things that are important to know about getting title insurance and what the process is actually like: Once you’re under contract on a home, you’ll need to buy title insurance. As far as title insurance there are two types of policies: Owner’s Title Insurance and Lender’s Title Insurance. The lender’sRead more

We’ve gathered a few terms in Title Insurance that would be of interest if you find yourself in the market for this sort of protection. Clear Title is a title that has no defects that could encumber an owner’s right to enjoy their property, and retain all portions of it. Cloud is when there existsRead more

A title refers to your legal right to own, use or do anything to the home you’re purchasing. Your title insurance protects you and your lender’s investment from prior rights or claims other parties may have on your property, also absolving you from any outstanding debts or liens of prior owners. Once hired the titleRead more