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"The Newcomer Specialist"
"Emily and I just wanted to thank you for all you did to enable us to move to Half Moon Bay. If only all others coming to the coast could have you as their broker! You should have some kind of title, like "The Newcomer Specialist". We are very grateful for all the things you did - big and small, professional and personal - to get the job done. We are so lucky all the twists of fate that began in Arlington Heights, Illinois with a broker referral to you ended up with us meeting you and deciding on a home utilizing your careful advice and vast experience. You did all you said you would do and more. And your cheerful attitude and joy for the business was infectious. It's easy to get discouraged during this process, and your positive nature helped keep our chins up. Please feel free to use us as a reference. We just cannot imagine how we could have chosen a more thorough, professional - and kind - person to help us find our home in Half Moon Bay.
Taylor & Emily McCormick
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Insurance >Title Insurance for Owners If you finance your home, the lender will require you to purchase title insurance for the amount of your mortgage. You will be given the option of increasing the coverage to include your equity in the property. The owner's coverage fee is a one-time charge that protects your equity in your new home, including its appreciated value. Most experts agree that the additional coverage is a good idea.
Before your sale is finalized, the title company will inspect the public records and confirm the sellers' ownership of the property. They will look for any liens that may have been filed against the property, and that must be paid off before it can be sold. Even the most careful search, however, cannot guarantee that there was not an error at some point in the transfer of title during the chain of ownership. Title insurance is one of those things you will probably never need, but if you do, you will be very glad you have it!
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| Q |
What is an encumbrance against a property, which may be voluntary or involuntary?
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| A |
There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
