title insurance Archives - Page 16 of 26

Pre-Foreclosure Homes

If you are looking for an affordable home, you may come across “pre-foreclosure” homes and wonder if they are worth looking into. When you browse through real estate listings, you will see that there are plenty of pre-foreclosure listings. But is buying one something you should do?

Pre-foreclosure is the first stage in the foreclosure process. It begins when a Notice of Default (non-judicial states) or Lis Pendens (judicial states) has been filed against the homeowner. Foreclosing on a property can be a lengthy process. Homeowners are first served a notice of default notifying them of the bank’s intentions to begin foreclosure proceedings. They still have the opportunity to make it right by catching up on their payments.

Many times, the home is listed on Zillow (or other real estate sites) and the owner is not even aware of it. There will be a Google street-view image of the home, the address, details of the property, and occasionally inaccurate information. The homeowner is not allowed to opt-out of having their home publicly listed, which can cause some embarrassment for them.

Pre-foreclosures are not a done deal. While they appear to be a fantastic deal on paper, nine times out of ten there really isn’t a deal to be had. In many cases, borrowers fall a month or two on their mortgage payments and then quickly catch up. Under pressure from the government, lenders are more willing to work with delinquent borrowers than they were just a few years ago, which explains why foreclosures are at all-time low in many parts of the country. In general, pre-foreclosures fall into two categories. Homes with 90-day late notices are usually resolved before foreclosure and hardly worth a buyer’s time. Pre-foreclosures with an auction date set are much more likely to sell before the foreclosure becomes official, but even then a sale is not guaranteed.

The pre-foreclosed home is not actively listed for sale. The owner has not taken steps to list the home for sale. The transaction is dependent upon the buyer identifying a homeowner in a mortgage default list and persuading him to sell. Many homeowners will be pursuing options to cure the default and will not negotiate. As such, it is better for most buyers to assume that a pre-foreclosure home is not for sale and seek viable alternatives with help from his real estate agent.

The Bottom Line: Buying a pre-foreclosure home is an opportunity to less than what the market would list. The competition is less than if you would have bought a foreclosed home at auction. Before you look for a pre-foreclosure home, it’s important to research the distressed property laws in your state. There’s a reason that most buyers of pre-foreclosure homes are seasoned investors, not first-time homebuyers. The process is not easy to navigate. It helps to have a lot of cash on hand and plenty of negotiating savvy.

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Get the Edge in a Seller’s Market

A seller’s market is when there are more people buying houses than there are houses for sale. If you’re looking to buy a home right now, it may be hard to get one at a fair price. In the most sought-after areas, houses are going under contract in a matter of days, even hours. What can you do to be prepared if you must buy a home now?

Hire the best Realtor

Do a search on Realtors. Get the best, with the most experience, you can find. This will give you the advantage you need in a competitive market as she/he will be on the frontlines, keeping you in the know at all times.

Be ready to act instantly

No matter where you live, listings for homes in popular neighborhoods are often few and far between. When these homes do hit the market, they don’t last long. If your heart is set on buying in one of the more popular areas, starting your house hunt early and having patience means that when the moment comes, you’ll need to act quickly.

If you’re really interested in a home, ask your Realtor to get as much info as you can beforehand: property reports, disclosures, etc. Keep your schedule open so that when a home becomes available, you can get to it immediately. .

Get pre-approved

One of the smartest things you can do to ensure your chances of getting the home you want. This part can very well make or break the process. Assume others will be putting in an offer as well and having a pre-approval letter in your hand will give you an edge.

Having your lender verify your ability to afford a home loan for a certain amount lets the seller know you are qualified and motivated. It shows financial security which gives the seller the confidence to feel that the sale will go smoothly with you.

Keep your offer simple

Most offers include contingencies- things like completing inspections and receiving a mortgage commitment -that needs to happen for the transaction to move forward.

When looking at offers, sellers tend to see contingencies as potential opportunities for the deal to fall apart. As a result, they’re more likely to choose an offer that’s relatively “clean” or reduces their risk of potential hang-ups.

In a competitive market, you might see other buyers removing or reducing their contingency periods to make their offer more competitive.

But remember! If you choose to, for example, waive an inspection contingency, you’re agreeing to buy the home regardless of what problems may exist. You’ve got to be OK with that.

Start with a strong sale price

Besides keeping your contingencies in check, there is another component of the offer that will help set you apart from the crowd and it’s fairly obvious — the offer price.

If it is possible for you, consider putting down a larger deposit which will let the seller know you are serious. Be flexible with the closing date to accommodate the seller’s schedule. And know that the sellers are likely to be enticed by a big payout, or if possible, a cash offer. Offer the asking price – and even more, if you think you can swing it. Use a mortgage calculator to see what your monthly payments will look like.

Write a personal note to the seller

Remember that many sellers have an emotional attachment to their home and moving is often hard for them. They’ve put their heart and soul into the home, built families, and made memories in the home. Write a note letting them know why you love their home and how you plan to take care of it. They may love to hear how their home will be in good hands.

Be prepared to negotiate

The whole experience of buying a home is emotional and if the home you are trying to buy has multiple offers, this isn’t the time to throw in a lot of extras. Keep the contract as clean as possible by not asking for extras such as closing cost changes, home warranties, appliances or furniture.

The Bottom Line: Be flexible. As a buyer in a seller’s market, not everything will go the way you want it to. Be patient. If you are working with the best Realtor, they will have the experience to keep you calm while guiding you in the right direction.

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School District Matters

When it comes to resale value, whether you have children or not, researching school districts is a crucial step when buying a new home. it’s best to invest in a home in a top school district. Living in a good school district doesn’t just bring better teachers, better books, and better test scores — it also can help preserve home values and ensure faster resale rates. These homes often sell faster than homes in lesser school districts. In a case of bad economic times, a home in the lower quality school district declines in home value, while the homes in the top school districts will hold their value.

Do the research. Any information you need for absolutely anything is available online. Do a search to determine the school district or even the specific school, that is the best in the town you will be searching for a new home. There are websites that offer test scores, rankings and demographic information, including student diversity by race and gender, the percentage of students on free lunch programs and the student-teacher ratio, to learn about the schools and school districts you are considering. One of the best ways to dig into specifics on districts you’re considering is by talking to other parents. If you’re moving to an unfamiliar area, Facebook groups and other social media sites can be a way to connect. There’s no better way to get a feel for a certain district than engaging with people who are actually in it.

A survey on Realtor.com asked random people about their overall buying strategy and how they viewed school performance. The results found that a surprising number of people are willing to give up things to get within the boundaries of a good school district. That, for every five buyers, one buyer would be prepared to give up a garage or bedroom for a good school.

They also found that for every three buyers surveyed, one buyer would even settle for a smaller home to get access to a good school. And over half of those surveyed said they would sacrifice nearby shopping options for a better school.

Beyond sacrificing things in their home purchase, buyers were willing to pay more money for a home in a good school district. One out of five of those surveyed said they would pay between six and ten percent more for a home – and one out of ten people surveyed stated that they’d go even higher, paying up to 20 percent more for a home with access to the right schools.

The Bottom Line: Consult with the best Realtor in the area in which you are looking. The next best resource for neighborhood and nearby school knowledge is your local real estate agent. Even if you don’t have kids, between the Realtor and the research you do, buying a home in a good school district affects the value of the home.

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7 Costly Home Selling Mistakes

There are quite a few mistakes that Real Estate Agents see time and again that can really botch the sale of a home. We rounded up seven here:

1. For Sale By Owner

Trying to sell your home by yourself is sheer madness. Hire a good seasoned Realtor. Homes without representation remain on the market longer and end up selling at a lower price than those with a Realtor leading the way.

2. Pricing

Overpricing or underpricing is a huge and costly error. You may think your home is worth more, but remember to set a realistic price based on comparable homes in the area. This is where a Realtor comes in to help you understand the market you are in. She/he will bring the comps – will know what is currently on the market, know the homes that have sold recently and those currently for sale.

3. Not Making Repairs That Are Necessary

You’ll lose money if you don’t remedy repairs before you list your house. It’s less costly to fix things ahead of time, rather than have buyers see all of your home’s faults at a showing. If you don’t, you’re almost guaranteed that prospective buyers will offer less or ask for a credit back for the work that needs to be done before the deal closes. Think you can get away with hiding major problems with your property? Not a chance. Any big problems will be uncovered during the inspections.

4. Not Cleaning Before a Showing

Don’t worry if you can’t afford to hire a professional to come to clean your home before a showing. There are many things you can do on your own. Create a sense of spaciousness by decluttering. From the kitchen countertops to the overstuffed closets to the trophies, awards, family photos lining the shelves in the family room, it’ll cost nothing to box it all up and store it away. A great idea is to have your Realtor or a good friend come by with a fresh set of eyes. Have them point out areas of your home that need work. Because of your familiarity with the home, you may be immune to its trouble spots.

5. Letting your ego get in the way

Many sellers take negotiating personally and lose out on creating a win-win deal (if not the entire deal). Remember, this is a business transaction — perhaps the biggest one of your life. Nothing kills a real estate deal faster than an over-priced home. Don’t let your ego factor into the listing price. Choose the strongest real estate agent and trust them to guide you to the appropriate square footage cost.

6. Bad Photographs

Studies reveal that professional real estate photos can help a listing sell faster than comparable homes without professional photography. Blurry or poor-quality photos can be detrimental when selling your home. Real estate listing photos are particularly important when it comes to using the internet to home shop. According to the National Association of Realtors, 92% of buyers use the internet to shop for a home. Without photos, many homebuyers won’t even bother clicking on an online home listing.

7. Neglecting the Outside of Your Home

After all the work done to improve, clean, and make the inside of your home shine, and then neglect the outside, you run the risk of potential buyers leaving without ever entering your home. The very first impression of your home is the curb appeal or lack thereof. Preparing the exterior of your home is just as important as staging the interior. A fresh coat of paint for the home, shutters, and door goes a long way. There should be no visible weeds, and mowed lawn, pruned trees, and other landscaping. Wash the windows and power-wash your siding and walkways. This should bring buyers through your door, increasing the likelihood of a quick sale.

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Kitchen Renovation Before You Sell Your Home

Thinking about selling your home? Consider investing in upgrading your kitchen. There can be big payoffs. A newly renovated kitchen can help you sell your home for more money and sell your home faster. If it doesn’t help accomplish these two goals, it may not be the best use of your time and money. In general, you shouldn’t spend more than 5 to 10 percent of the value of your home on the renovations. Spend too much and you won’t get a return on the money you’ve invested.

There are a number of relatively low-cost but high-impact updates you can do to get your kitchen to look its best.

Replace old, outdated kitchen appliances. Go for modern energy-saving appliances, as buyers will appreciate the prospect of having a lower electricity bill. Also, maintain a consistent look among all of the new appliances you purchase, as this will give your kitchen a sense of style and cohesiveness.

Reface kitchen cabinets. This is a much cheaper option than replacing cabinetry, but it does the trick and gives your kitchen a fresh new look.

Replace old cabinet hardware. You would be surprised how far this small measure can go in improving the overall look of your kitchen

Replace an old sink and faucet. Buyers love the sparkling look of a brand new sink.

There are mistakes that shouldn’t be made when renovating your kitchen to sell.

Putting new floors right on top of the old floors. Remove the original floors and replace them.

Most of us know what older cabinets look like. If your kitchen has them, you don’t have to replace them but don’t spend money on beautiful countertops and not update the cabinets. Buyers think they are being “fooled” and can see through it.

Don’t try to save money by choosing lower quality appliances. This may mean that to stay within your budget you can’t get a really cool light fixture that you love, but having good appliances that are energy efficient and durable is more important than having an art piece on the ceiling.

If you are going to spend money redoing your kitchen, make sure you’re choosing projects that will give you the most bang for your buck – without taking shortcuts. A renovated kitchen can totally change the look and feel of your home and may result in a faster and more lucrative sale. Call a knowledgeable Realtor and discuss your goals, and they can help you make the right decision.

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Buying A Home “As-Is”

Many people fall in love with a home that is being sold “as-is” What exactly does “Sold As-Is” mean? Sellers will list their home for sale as-is when they don’t want to do any repairs before closing. It means there are no guarantees from the seller that everything’s in working condition. When you buy an“as-is” home and later find major problems, you’re responsible for the repairs.

“As-is” does not always mean there are issues broken beyond repair. Often there are simply minor and even no issues. It means you are buying the home in whatever condition it is currently in. You can have an inspection done but won’t be able to negotiate to get the repairs done. Having a professional inspect the home before the purchase is important. While you would have to pay for the inspection yourself, it is a small investment to make that can help you avoid thousands of dollars in repairs down the road.

A home that is being sold “as is” is most likely priced lower than its neighbors does not mean you would be getting the home for a bargain. If there are repairs to be made, there will be a cost. Many buyers like these types of homes because there is a good chance there are just relatively minor repairs to be made – such as a new roof – and the home is worth more than they paid for it. Of course if the inspection comes back and there is something huge, like a foundation issue, the deal might be better to avoid.

Getting a loan for a home sold “as-is” is much more difficult and complicated than getting a loan for a home that has gone through the traditional processes. Banks use homes as collateral and any home in poor condition can be grounds for a loan being rejected. Buyers would have to come up with the money on their own. If you are a first time home buyer, purchasing a home “as-is” might not be the best direction.

Hiring the best Realtor to help you navigate the process of buying this type of home will be your best decision. It helps to have someone on your side that can provide good advice and help to know when to back out of a deal if they are sure you will lose a lot of money in the long run. Another bonus of having a Realtor is that they can help with the process of securing a loan as well as figuring out an estimate of the budget you will need for any repairs.

The Bottom Line: There are plenty of homes on the market listed “as-is” that discourage many buyers. Of course, you should be cautious, but “as-is” does not always mean that the house is a money pit. Sometimes the seller can’t vouch for any repair work that has been done – thus an inspection can help and a decision can be made accordingly. Or, the home could have been inherited and the seller is not aware of issues and does not want the responsibility of fixing any problems. Whatever the reason, it’s in the buyer’s best interest to get all the information about the house before an offer is made.

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Land Title Services For Builders

Title First works with national and regional home builders. From land take-downs, subdivision infrastructure and development, lot purchases and all the way through the final home sale. Title First’s builder division handles all the details.

A land title is a formal document that will outline the rights the owner has to the piece of property. While it confirms ownership, it also helps prospective buyers know about any existing liens, usage rights, easements, natural resource rights, and any other rights.

Title insurance shouldn’t be avoided when there will be a brand new home built on an open lot. People often think that because it’s only land, and no home on the property, there isn’t a need for title insurance. This is false. Most land is not completely claim-free, even empty, has a history. Before the first truck rolls in to begin construction, the land may have changed hands many times, thus ownership issues could be pending.

One concern is the possibility of a contractor’s lien (also called mechanic’s lien, or construction lien) which is a claim made by contractors or subcontractors who have performed work on the property, or if materials have been delivered, but haven’t not been paid for yet. In some states, architects, engineers, and surveyors may have filed a lien for services rendered.

Another potential risk is an unknown servitude, or a “burden” on the property. This is known as an “easement” in other states. A common servitude is a utility servitude, where a utility company may access your property to service utility lines. Other such servitudes are right of way or right of passage, pipelines, and mineral servitudes. Most servitudes are permanently attached to the property, so a property owner is subject to them whether they know about it or not.

Solutions

Title First offers a complete range of title solutions and settlement services for builders, including – Title and Closing for initial land purchase, Title and Closing for the construction loan, Customized construction draw disbursement, Construction draw updates, Timely recordings, Customized closing process for the finished home, including warranty presentation

Service

Title First’s Builder Division offers high-touch service designed to meet each builder’s needs, including – Single point-of-contact for all scheduling and processing, Underwriter approved builder rates, Personalized draw services, Pre-signed closing documents

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A Realtor and A Title Agency

Title First Agency works hard to ensure a seamless experience for Realtors and their clients. From contract to closing, Title First handles all the details to help your transactions run smoothly and close on time.

Access to property information:

Title First Agency can help Realtors by getting the names, addresses and phone numbers for properties that their client are interested in buying. Maybe the buyer wants to find a home of a certain age or in a particular area – whatever it may be, a Title First Agent has the ability to access a lot of data and can find the information needed. Buyers often drive around neighborhoods that they want to live in and see the perfect home for their family. A Title First Agent can look up the information of who owns the home and how long they have been there at the exact address. This will enable the Realtor and the buyer to put together a homebuyers letter to owner.

Advertising and marketing:

Title First can assist Realtors in promoting their business with our full line of marketing solutions. For your next listing, make a good first impression on potential clients and prospective buyers with a bound presentation of property information. We have the ability to help you design, print and mail your full-color glossy, postcards. Use our Net-to-Seller tool that will help estimate a client’s profit and present it in a professional format to be shared. Or, give our Title First Agent App a try to provide a higher level of service to your clients. This app will enable you to give quick and easy estimates to any real estate financial question. The app features net sheets, quick estimates, closing,costs, prorated taxes and much more. Finally, email us your MLS link, logo and personal photo and let us create a professional full-color info sheet for your listing.

Legal expertise:

Title First Agency has experienced real estate lawyers who have worked many years through settlements and closings. It’s an invaluable asset to always have legal experts on hand with a good title company. The buyer, seller and you, the Realtor, can have peace of mind that purchases and end-to-end processes of closing on a property are performed seamlessly and on time.

The Bottom Line: At Title First Agency, we measure our success by your success. That’s why we offer a variety of services to help you growyour real estate business. Beyond the above listed services, the issuing of insurance, and performing title searches, we can manage the escrow account for the home sale. We safeguard all money and documents related to the transaction for the parties involved, such as the deed to the home, closing costs, earnest money deposit and the down payment.

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Buying a House? Here’s What You Need to Know

Becoming a homeowner is one of the most thrilling next steps in anyone’s life. You’ve gained the financial independence you need to feel comfortable venturing into big commitments, and there’s truly no better feeling than entering the real estate market to find a home to call your own.

We won’t be the first to tell you that buying a home isn’t a simple or easy process— it’s one that takes plenty of time, planning, and painstaking research. As one of the most expensive purchases you’ll make in your lifetime, it’s well worth arduous labor. Using this guide, we’ll walk you through everything you need to know about buying a house.

Do Your Research

As you venture into the homebuying process, it’s important to evaluate your own financial situation, examine the current status of the housing market and, of course, take stock of your desires, priorities, and objectives. Doing all of this upfront research will help lay the foundation for which you begin your house hunt and budget planning.

Naturally, part of this process involves checking your credit score, analyzing your spending habits, and studying online to find out the average going price of homes sold in the location you want to buy in. Finding answers to the following questions would also be incredibly insightful for you:

What is compelling you to buy rather than rent?
Do you have any financial roadblocks that could affect your ability to secure a mortgage with favorable terms?
Do you have any large, outstanding debts that could make budgeting more difficult?
What are your must-have amenities in a home?
What factors do you consider to be deal-breakers in a home?
What factors are you flexible on? What factors are must-haves?
Do you plan on hiring a real estate agent?

Craft a property wishlist

Crafting a property wishlist is the most enjoyable portion of the home-buying process. If you have been dreaming of a futuristic minimalist home in the middle of a massive metropolis or a spacious coastal hideaway with floor-to -ceiling windows, now’s the time to make good on those dreams and turn them into a reality. Working out those specifics early on will help you narrow down your search and optimize your time spent looking.

The better an idea you have, the simpler it will be for you to pare down your selection and speed up the touring process. Consider splitting your wishlist into two: the must-haves and the nice-to-haves.

Check your credit score

In order to purchase a home, most people will need to secure some degree of financing— so unless you’re paying in cash, you’ll need to do your fair share of research into your available mortgage options. But before you even think about weighing your options, you’ll need to first ensure that you have a good enough credit score to get approved for a favorable loan, especially for one with an attractive interest rate.

You will need to build a positive rapport with lenders and that begins with providing a clear history of paying your bills on time and maintaining a budget that exemplifies your ability to live within your means. We highly recommend checking your credit score before you start applying for any mortgage or home loan. Most traditional mortgage lenders require a 620-640 FICO score.

If your score doesn’t fit inside of that range, consider dedicating time to improve your credit score. The following steps can help boost your score:

Setting up automatic payments to ensure you never miss a payment deadline
Minimizing your credit utilization rate by paying off any outstanding debt
Diversifying your credit profile by applying for a variety of credit types, including
1. Personal loans
2. Auto loans
3. Credit cards

Get help from a realtor

If you’re a first-time homebuyer, it won’t be soon before long that you realize the real estate market can be a bit relentless and confusing without the right guidance.. Receiving assistance from a reputable real estate agent can help you get to know the many intricate details of home buying and can even help you narrow down the options that work in your best interest.

At first, you may think it’s far out of your budget to enlist the assistance of a realtor to help on your behalf, however it is worth noting that the seller, not the buyer, pays for the fee imposed by realtors. One stipulation to note is that this is usually factored into the overall price of the property, which usually amounts to anywhere between 5-6%,

Ultimately, realtors are experts in their field, and if you’re new to the home buying scene, having a person in your corner who understands everything about buying a home is a responsible investment.

Compare your financing options

You will be better prepared to look at your borrowing prospects when your credit score is in tip-top shape. There are several distinct types of specialized home loans that could be better tailored to your particular circumstances. For example, if you’re classified as a low-income borrower, choosing an FHA loan might be the perfect funding option for you. Or if you’re an active duty military personnel, a VA loan may offer the best bang for your buck. There are even specialized options for those who work in the agricultural industry.

Make sure to explore all of the alternative methods that are open to you before you settle on a traditional mortgage.

Key takeaways

Buying a house is nothing short of a big deal, so as you venture into this next chapter, it’s okay to feel overwhelmed, stressed, and unsure. To avoid the brunt of your inevitable stressors, be sure to take the proper precautions to ensure you make the right decision before signing your name away on a mortgage and taking your photo in front of the “SOLD” sign. You’ll gain the peace of mind that you deserve and a house you love with these genius home buying tips.

Did we miss anything? What are your best home buying tips for first-timers?

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4 Tips for Designing an Accessible Smart Home

If you have recently moved into an accessible home — perhaps with the support of the title insurance experts at Title First Agency — you might be wondering how smart technology can benefit you as a homeowner with a disability. There are countless smart home devices on the market that can be especially helpful for people with disabilities. These tips will help you choose the right devices for your home while saving money.

Consider Cybersecurity

No matter which smart devices you choose to invest in, it’s important to think about cybersecurity before installing them. If you want to ensure your family and home’s internet safety, digital security should be one of your highest priorities. Coming up with a plan to protect your home and your network is critical. Consider how you can prevent issues like identity theft, viruses, hacking, and more.

Video Doorbell

If you use a mobility aid, you might need a little extra time to greet visitors when they ring your doorbell. This is why video doorbells can be useful for people with disabilities — you can see who is on your porch before heading to the door.

The Ring Video Doorbell 3 Plus captures video before motion events, so that you can see exactly what’s going on outside your front door. If you’re looking for a cheaper option, Tech Hive recommends the Toucan Wireless Video Doorbell for people working with tighter budgets. This model is battery powered, so you can mount it wherever you feel it blends in best.

Smart Speaker

Today’s smart speakers come with endless exciting features that will simplify your everyday life. But with so many choices available, it’s easy to feel a bit overwhelmed by the variety. If you’re interested in a smaller speaker at a more affordable price, consider the Apple HomePod Mini, which is compact and easy to use. If top-notch audio quality is a high-priority consideration for you, EndGadget recommends the Nest Audio, which is a bit larger than the smallest models on the market, but still easy enough to tuck away out of sight.

If you’re worried that your new smart speaker will clash with your home’s aesthetic, consider buying a speaker in a color that will match your existing decor. You can also place your speaker in a corner where it will be somewhat hidden behind houseplants and other knick-knacks — you’ll barely notice it!

Smart Refrigerator

There’s no denying that a smart refrigerator is a major investment. However, it can be a very worthwhile purchase for people with disabilities. With a smart refrigerator, it’s easy to keep track of everything you have in stock, and when you’re low on certain ingredients, you can often order them directly from your fridge. Plus, it will alert you if the door has been open for too long — if you take medication that needs to stay refrigerated, this feature can bring you peace of mind.

Do you have a large family? The Samsung Family Hub is a sizable smart fridge that might be the perfect choice for your home. But the LG InstaView ThinQ smart fridge is slimmer, which makes it a good choice for people with smaller kitchens. It’s a good idea to wait for deals at your local appliance stores to get the best price on this item.

Today, smart home devices can be an integral part of accessible home design. From video doorbells to smart speakers to hi-tech refrigerators, smart technology can make it easier for people with disabilities to live comfortably and independently in their own homes. With these tips and product comparisons, you’ll be able to equip your home with the devices you need!

Are you in need of title or real estate settlement services? Title First Agency offers all of this and more. Get in touch today at 866-320-8400.

Photo via Unsplash

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