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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

HELP FOR HOME OWNERS

Wow… well who could have expected this pandemic? While we are getting used to our new normal (if we can call it that) many homeowners need some serious help. I want to point you in the right direction and here are some great resources. Many banks are allowing people to “defer” their payments which means they are tacking them on to the end of your loan. As part of the recently passed CARES Act, which funded $3.2 trillion in monies to support the US economy, there’s a part of the