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Understanding your Closing Disclosure (CD) when purchasing a home, and how it differs from an ALTA Settlement Statement
A closing disclosure statement is a document that outlines all of the financial details of your home purchase. What is included in a closing disclosure statement? This document is extremely important, as it lists all the charges that you will be responsible for. It’s...
In which states are title insurance rates “not filed” and what does it mean?
To many home buyers, title insurance rates are a “black box” in that most don’t fully understand how title insurance rates are set. In this post, we’ll try to shed some light on how title insurance rates are calculated, and how it differs between states. Three primary...
What is a filed rate in title insurance and which states have filed rates?
To many home buyers, title insurance rates are a “black box” in that most don’t fully understand how title insurance rates are set. In this post, we’ll try to shed some light on how title insurance rates are calculated, and how it differs between states. Three primary...
What is a promulgated rate in title insurance and what states have promulgated rates?
To many home buyers, title insurance rates are a “black box” in that most don’t fully understand how title insurance rates are set. In this post, we’ll try to shed some light on how title insurance rates are calculated, and how it differs between states. Three primary...
What is title insurance and what does it protect you from?
To many home buyers and sellers alike, the land title insurance business is sort of a “black box” where most don’t understand how it works and why title insurance is important. In this post, we’ll attempt to shed some light on the amount of work that goes into making...
Who can handle a real estate closing in your state?
Every state has different regulations regarding who can handle real estate closings and the roles and cost to do so. The rates and practices can even differ between cities and counties. In this post we’ll list who can handle closings in each state. Who can close a...
What is an ALTA Settlement Statement?
A Settlement Statement is a standardized document that a buyer gets at a real estate closing that summarizes the terms and conditions of a loan, plus lists all charges and credits to the buyer and to the seller in a real estate settlement. It is also used in a...
Great reasons to sell your home
Should you sell your home? It seems like a simple question, yet ask 10 people and you will likely get 10 different answers. Within real estate markets there always seems to be so much conflicting information. Plus, everyone thinks they are an expert! Even people who...
What to look for in a title insurance policy?
Arriving at the closing table is an exciting culmination to a real estate transaction. For buyers, in addition to purchasing a property, they are also acquiring home insurance, possibly a home warranty, and two types of title insurance. The first is a lender's policy...
What to look for in a title commitment?
In the days leading up to closing, there are many documents that need to be prepared. As a buyer, you will be asked to review a lot of paperwork to ensure everything is in place for closing. One of the documents presented to you will be a Title Commitment Letter. At...
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