You’ve spent hours researching homes online and viewing properties, and you’ve finally found the perfect home, or you’ve spent thousands of dollars fixing up your house to get it ready to sell and held multiple open houses. Finally, an offer has been made and accepted. Time to celebrate, right? Not so fast. Several things can and do go wrong between the time the offer is accepted and closing.
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Similar to home-owners and sellers, businesses could use help when closing on a property. That’s why one of the services we offer at Ratified Title Group is commercial settlements. The process for commercial title transactions is different from residential settlements in that it’s a bit more complex and requires a variety of different procedures. Through years of working in the title field, we have experts that can handle this process smoothly and efficiently.
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If you’re waiting to go to closing, you may have heard that your loan is with the underwriters. If you’re not familiar with the term, it might sound like your paperwork went to a secret society that lives underground and calculate your loan qualifications on mythical scrolls. Who are these mysterious underwriters, and what is their role in getting your mortgage? We’re here to break it down for you and tell you who the underwriters are and what they do for your home loan.
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If this is your first time buying or selling a home (or honestly, even your second or third), you may pick up a whole new dialect that you never knew existed before. There are so many terms to learn when going through the process of buying or selling a home. We’re here to help you understand exactly what we are talking about in terms of titles, so you can make the best and most informed decisions! Here are some important terms and their definitions.
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Buying a home is one of the biggest investments most people will make in their lifetimes. Protecting your home with title insurance is a small investment by comparison, but it can save you big in the long run. We insure our health, our lives, our cars, our homes, our businesses and our belongings. Most insurance policies protect you from things that will happen in the future, but title insurance works differently. This insurance protects you from things that happened under previous ownership of the property that don’t come to light until you own the property. We will break down why we believe title insurance is always worth the cost, because like most insurances, when you need it you really need it.
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Being a title company, we do work closely with real estate agents by providing many useful services to make sure their transactions go smoothly. That said, we love our real estate agent partners! Hear what they have to say about working with us.
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Real estate has a lot of symbiotic relationships. As a settlement and title services company, we succeed when our real estate agents succeed, and vice versa. By providing the tools and the know-how, we work with our real estate agents to help them get business. We use multiple avenues to generate leads for your business so that we can succeed together. Here at Ratified Title Group, we go above and beyond to help our agents achieve their goals. Here are some of the ways that we work with real estate agents.
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In order to purchase or sell a home, the title on that home must be clear. This means that nobody has a claim on the property except the seller.
Most title issues are discovered during the settlement process, but some may not arise until after you’ve gone to closing. If a title issue is discovered during the settlement process, it will hold up the sale until it’s resolved. If the problem arises after closing, that’s when title insurance comes in handy to help resolve the issue. Here are some of the more common title issues you can come across.
When you close on a property, the title transfers from one owner to another, and everyone lives happily ever after. That’s the ideal scenario with a title, but it’s not always the case. That’s why title insurance is a good investment. Read on to find out what it is and why you need it.
Continue reading “Why You Need Title Insurance”