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Buying

WHAT IS TITLE INSURANCE? A title insurance policy protects the insured against any loss suffered as a result of the title to land not being as insured in the policy. For a one time premium the title policy provides protection as long as the buyer owns the property. Unlike other kinds of insurance, title insurance insures against past events, affecting the rights to real property, rather than unforeseen future events. WHY IS TITLE INSURANCE IMPORTANT? Title insurance is recommended on any home, no matter how new or apparently secure. Undoubtedly,

WHY DO I NEED TITLE INSURANCE? Title insurance insures that any defect in title to the land you are purchasing has been called to your attention and corrected before your transaction closes. Should there be a claim made against your title as covered by your policy, it is then our obligation to protect you. WHO IS COVERED? Typically there are two (2) policies issued. The Owner’s Policy insures the purchaser for the purchase price. The Lender’s Policy insures the lender for the amount of the loan. WHAT IS COVERED? Title

TIPS FOR FIRST TIME HOME BUYERS

Being a first-time home buyer is exciting But I know it can also feel overwhelming—especially when you see median listings priced at $297,000 and available homes flying off the market in 55 days. With real estate trends like those, you might be tempted to make an impulsive purchase that could hurt your financial goals and keep you paying a mortgage well into retirement. No one wants that – trust me, you guys, it’s worth doing this the right way. And that means buying a home that you love and that doesn’t hurt your

TO VIRTUAL STAGE OR NOT TO VIRTUAL STAGE, THAT IS THE REAL QUESTION?

For sellers, staging home can be crucial. Many buyers don’t have the imagination to turn an empty space into a place they can call home. The National Association of Realtors says staging makes it easier for buyers to visualize themselves in the home, buyers are more likely to visit a home that they see is staged online and saw an increase in dollar offers for staged homes. Okay, we got it. But staging ….can be incredibly costly. So now, there’s virtual staging, where a computer generates the furniture and a