Real Estate
Buying property, whether it’s a primary home, investment property or vacation home, is a big financial commitment and can be challenging whether you’re a first-time buyer or an experienced investor. The process comes with many decisions and responsibilities such as determining proper tax assessments, determining if title insurance is required. I can help you through the process.
I have experience and knowledge to guide you through the entire process. I have represented buyers of residential and commercial purchases, closings, mortgage refinances, home equity lines of credit and option to buy contracts.
What is title insurance and what does it cover?
Title insurance is almost always required by lenders if you are getting a mortgage and is generally obtained by the closing attorney. The premium for the title insurance policy is paid only once by the purchaser as a part of the closing costs. The title insurance policy insures that the lender has a proper mortgage lien on the property and that there are no defects in the title which may adversely affect the lender's lien. The policy obtained for the lender's benefit does not insure the purchaser against loss in the event that there is a defect in the title. In addition to the policy that protects the lender, a home buyer can also purchase insurance to protect themselves against challenges to the ownership of your home or from problems related to the title to your home. The policy provides coverage against losses due to title defects, even if the defects existed before you purchased your home.
​
For Lender’s and Owner’s Title Insurance Premium quotes, please contact me.