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Cryptocurrency in Real Estate

After many years of perseverance, cryptocurrency is now starting to be considered a viable way to pay for real estate. In 2014, a title insurance company made waves by being one of the first companies in the United States to announce that they would accept Bitcoin as currency for the purchase of real estate. Since … Continue reading Cryptocurrency in Real Estate

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Should You Target a Foreclosure Property When Purchasing Real Estate?

Purchasing a foreclosed home can be an excellent way to purchase a good property for less than market value and see an instant return on your investment. Sometimes, however, the process of buying a foreclosed home takes a lot of time and the house may need extensive repairs. Foreclosures can be a good buy if … Continue reading Should You Target a Foreclosure Property When Purchasing Real Estate?

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Should You Hire A Title Company When Buying Property Directly From An Owner?

Most real estate transactions are completed with the assistance of a title company. The buyer and/or seller will normally hire a title company to help move the transaction along smoothly and provide title insurance. A title company works as a third-party in the real estate transaction, handling most of the paperwork involved with the home … Continue reading Should You Hire A Title Company When Buying Property Directly From An Owner?

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What Does a Title Company Do?

Whether you are preparing to refinance your existing mortgage or purchase a new home, your mortgage lender may require you to find a title company to work with fairly early on in the loan process. If you are not familiar with the loan process, you may not be certain what a title company actually does. … Continue reading What Does a Title Company Do?

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What’s the Difference between a Fixture and a Chattel?

When buying or selling a home it is important to understand the different types of property that may affect the sale and purchase of real property. Understanding the difference between a fixture and chattel can be crucial when buying a new home or investing in a piece of real estate. Buyers who are considering the … Continue reading What’s the Difference between a Fixture and a Chattel?

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Disclosing Flood Insurance on Loan Estimate and Closing Disclosure

According to US federal laws, anybody who wants financial assistance from a recognized financial institution must adhere to some rules such as the TILA-RESPA Integrated Disclosures. These are a set of rules also known as “Know Before You Owe” meant to streamline mortgage financing and home loans in the US. In the recent CFPB session … Continue reading Disclosing Flood Insurance on Loan Estimate and Closing Disclosure

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Probate and Property Conveyance

In most states, wills are governed by the Uniform Probate Code (commonly known as the UPC) either in whole in parcel. States that have adopted the UPC in whole include; Alaska, Arizona, Colorado, Florida, Hawaii, Idaho, Maine, Michigan, Minnesota, Montana, Nebraska, New Mexico, North Dakota, South Carolina, South Dakota, and Utah. Other states have adopted … Continue reading Probate and Property Conveyance

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Why Refinancing Requires Title Insurance?

Borrowers refinance their mortgages to improve their financial standing. They look for lower payments, reduced interest and better terms overall. Having to purchase title insurance when they already purchased a title insurance policy when they bought the home may seem like an unnecessary expense. However, title insurance when refinancing is a must because the lender … Continue reading Why Refinancing Requires Title Insurance?

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Achieving your Goal of Home Ownership

Buying your first home can seem like a daunting process. From mortgage rates to taxes to closing costs, there’s certainly a lot to consider. And because your new home will likely be the biggest investment of your life, it’s crucial that you educate yourself about the process before you get started. The more you know … Continue reading Achieving your Goal of Home Ownership

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Foreclosures and Title Companies

According to the National Foreclosure Report approximately 549,000 homes in the United States were in some stage of foreclosure in 2014. How is this mess affecting homeowners and homebuyers and how will it concern the Title Insurance Industry? Any home buyer especially those purchasing homes through a foreclosure or a short sale, need a policy … Continue reading Foreclosures and Title Companies