Why Choose a Local Business

Why Choose a Local Business

D-I-Y…How to Develop Hacker Proof Headlines

With all the publicity about cyber fraud, many people are rethinking their online security and trying to come up with hacker-proof passwords. But is there really such a thing as “hacker-proof”? At the very least, you can lengthen the odds that anyone would get access to your email, your bank account, your credit card information and your online business accounts. Here’s how.(more)

Escrow and the Closing Process

A real estate contract may require the buyer to provide an earnest money deposit to show the seller their sincerity in purchasing a property. Generally, the funds are held in an escow account establiched by a closing/settlement agent or attorney for the purpose of disbursing funds being held on behalf of others.

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70 Some Ways You Could Lose Your Home!

There are many title issues that could cause you to lose your property or your mortgage investments. Even the most careful search of public records may not disclose the most dangerous threat: hidden risks. These issues may not be uncovered until you.

Title Search Process

When you receive the keys to your new home, you may already have an idea about the work that goes into a successful closing. However, few new homeowners recognize the efforts involved in searching and underwriting a title insurance policy - one part of your closing that can prove invaluable down the road.

Errors in Public Records

Although the property you just purchased is new to you, it has a history, and sometimes, these histories can include unwanted baggage. During a real estate transaction's closing process, a title search on the property is completed to determine whether there are title defects that can have an effect on the purchase.

Protect Your Information

When you buy a home, you'll be required to submit personal information to your lender and/or settlement or escrow agent. This information may include Social Security numbers, bank account numbers and credit and loan account numbers.

Common Types of Deeds

A WARRANTY DEED ... is the strongest deed and warrants to the Grantee: A. That the Grantor has not previously conveyed the estate or any interest therein to anyone except the Grantee; and B. The estate is free from encumbrances. The General Warranty Deed is the deed most used in insuring titles to real property and gives the most protection to the Grantee.