Title and escrow companies are adapting to the new environment brought on by the COVID-19 virus and taking guidance from the Centers for Disease Control (CDC) and World Health Organization (WHO) on how to conduct business to keep their customers and employees safe. Fortunately, more than 95% of the work a title company does is…
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Real Estate 101: What is the Difference Between a Lien and Encumbrance?
Liens and encumbrances are two terms associated with real estate that all people involved in a home purchase should understand. Since liens and encumbrances are directly related to property ownership, it is important to know the difference between the terms to have a clear understanding of what is involved in one of the most important…
Is Title Insurance Required in Florida?
Title insurance can be confusing, and we are asked all the time if you have to have it for your home here in Florida. The answer can be tricky, which is why we’re taking the time here to explain title insurance in brief and if you need to have it. A-1 Title Services strives to…
Six Questions To Ask Your Title Company
Homebuyers typically need two title insurance policies – an owner’s policy and a lender’s policy, which protects the lender. Title insurance protects property buyers and mortgage lenders from defects or problems with a title when there is a transfer of property ownership. If a title dispute arises during a sale, the title insurance agency may…
Four Ways To Save On Closing Costs & Title Insurance
When you find the home of your dreams, make an offer on it and apply for a mortgage, you might not give much thought to the cost of title insurance. But that can be a mistake. A title policy defends buyers and their lenders from future property ownership claims, unexpected liens and other potentially costly…
What Is Title Insurance?
From our experience, title insurance is like most other insurances – you hardly ever need to use it, but when you do it saves your pocketbook – and in this case – it can save your house and your financial investment. Let’s look more at what is title insurance and why do you need title…
How Do I Choose A Title Company?
Most consumers don’t even realize what Title Insurance really is. Many consumers don’t know they even need a title company until they were told so by their bank or realtor. The fact you are actually conducting due diligence in your search for a title escrow and insurance company is an important step. First off you…
Who Picks The Title Company?
Who gets to pick the title company that will issue the owner policy of title insurance? It depends. If a seller wants to avoid a possible violation of RESPA, the seller should not insist on a particular title company for the transaction unless the seller is paying for both the owner policy and the lender…