yourtitlecompany: What is the Difference between Pre-Approval and Pre-Qualification?
- 04/25/16 05:40 AM
If you’re looking for a home you’ve probably heard the terms pre-qualified and pre-approval thrown around a few times. But what really is the difference between these two concepts? How important is it that you obtain one or the other from your lender? So what is pre-qualification? Pre-qualifying for a loan is a very informal way to calculate how much you may be able to borrow from your lender. Most lenders will allow you to pre-qualify over the phone as long as you provide a few items like your income, your debt, and how large of a down payment you are able … (3 comments)
yourtitlecompany: I’m Selling My Home and My Deed Holds an Error
- 04/01/16 03:00 AM
How many other insurance companies can offer you a one-time fee for a lifetime of protection? This is one of the many major perks when obtaining title insurance. For example, let’s say you’ve owned your home for a while now and finally decide it is time to sell it. You find a buyer and their lawyer asks for the deed in order to review the manner in which title was originally received. Upon this review, the lawyer discovers that the deed states that a previous owner (before yourself) still has rights to the property. This clearly was a mistake! Luckily you have title … (0 comments)
yourtitlecompany: I Found a Buyer, Now What?
- 02/19/16 04:50 AM
As a seller your main goal is to obviously sell. So once that goal is finally achieved and you’ve accepted your buyer’s offer then you may think that your job is done. Wrong! Actually there are still a few things left. For example, the seller must collect what is referred to as earnest money. Earnest money is really just a way of showing that the buyer has serious intentions while they place 1%-2% of their offer amount down. As the deal proceeds, then that earnest money becomes a piece of the buyer’s down payment. If the deal falls through for a legitimate … (0 comments)
yourtitlecompany: Home Histories: Closing the Deal or Killing the Sale?
- 02/12/16 04:37 AM
You’ve snuggled up to the films about creaking homes with a mysterious past, but what about when something like that has happened in a home you are looking at? How would you feel about that property? Studies have shown that buyers aren’t likely to pay the asking price for a property that has experienced some sort of fatal or fatally related event. These properties do not just include homicides or suicide but also locations in which criminals have resided. Depending on your state, these details are not always immediately disclosed. In addition to this, Trulia has researched and proven that properties in … (0 comments)
yourtitlecompany: What Questions Should I Be Asking My Realtor?
- 01/08/16 12:49 AM
So you’ve made the wise decision in hiring a real estate agent for your next property purchase. In most cases realtors make real estate transactions much easier due to their knowledge of the market, the industry and their overall understanding in the real estate industry. However, with so many advertisements and realtors to choose from, how can you be sure that you’re picking the right one? Your Fort Myers Title Company has a few questions for you to ask your next possible realtor. How long have you been in the real estate industry? Though this is a very … (2 comments)
yourtitlecompany: Fort Myers Title Company 45 Days into TRID
- 11/17/15 09:42 PM
It seems as though everyone within the real estate industry was just preparing and educating themselves on the upcoming TRID changes. Now far from our initiation date of October 3rd, TRID has been in full effect and Fort Myers Title Company, Title Junction has witnessed it directly by completing their first TRID closing. So…how did it go? Well, though the lender was incredible to work with during this first experience, challenges were still in existence. For example, a lot of time was being spent on repeating tasks due to software malfunctions required by TRID’s new policies and procedures. It seems that some … (0 comments)
yourtitlecompany: 5 Thanksgiving Mishaps and How to Avoid Them
- 11/17/15 09:32 PM
Why is it that the worst of disasters almost always takes place at the worst times? No one is ever pleased with unexpected mishaps especially during the holiday season where there is so much to do and so many usually around in such a small amount of time and space. This season Title Junction wants to hand you the playbook to a successful Thanksgiving. 1. Test your appliances. Just imagine it’s Thanksgiving Day, you’ve got the entire family over, and the turkey is raw and ready to be turned to a crisp brown. You turn the knobs or press the buttons on … (1 comments)
yourtitlecompany: What If My Seller’s Deal Falls Through?
- 11/10/15 04:49 AM
During a real estate transaction, we all hope for smooth progression and eventually a graceful end. However, there are cases where the seller’s deal falls through. If this happens, in more cases than not, the seller purchases a different home with the money that they take from the closing. But what if this isn’t the case? What if your seller doesn’t have a place to go? What if they decide against leaving the home? Is this the case? You’ve got three options. 1. Keep your money. Lock away your funds and postpone the closing until the seller is officially vacated from the … (0 comments)
yourtitlecompany: Why Your Home Should be off the Market This Holiday
- 11/10/15 04:38 AM
For most, it is the most precious and joyous time of the year! People are spending their time gathering with loved ones, holiday shopping, and of course decorating! However, if you still haven't sold your home a little more stress is added to your plate. If this is the case, it may be a good idea to take it off of the market altogether until the holidays come to an end. A home that is listed much too long may decrease in value and create a need for suspicion among buyers. Removing the home temporarily will keep its reputation safe, but … (3 comments)
yourtitlecompany: Fort Myers Title Company, Title Junction Reviews the Progression of TRID
- 10/27/15 04:18 AM
The newly implemented TRID rules and regulations have permanently changed the Real Estate Industry. As November is upon us, all closing parties should now be seeing the change in documentation and procedures. Through experiences with a variety of clients involved in real estate transactions, Fort Myers Title Company owner Jennifer Ferri explains that no one seems too thrilled about the changes aside from those who created it. Time and education is a crucial requirement and with many entrepreneurs already pressed and stressed for time with their own closings, it may have seemed challenging for those individuals to stay up to date … (0 comments)
yourtitlecompany: Transforming Harder Mornings Into Smarter Mornings
- 10/27/15 04:07 AM
If you’re anything like the average American, mornings can be extremely hectic. Some of us are rushing to work, dressing our kids, hopping in cars or subways, making calls, squeezing in appointments, and so on. The first hour of our day can set the tone for the next 23. Improving your morning routine allows you to ease into your day gracefully leading to a greater momentum for the scheduled and unscheduled challenges of the day. So what can you do to better prepare yourself? Wake up early. There is nothing more stressful than being pressed for time in almost any circumstance. When … (12 comments)
yourtitlecompany: Fort Myers Title Company, Title Junction Takes on Customer Service
- 10/27/15 04:00 AM
Within any business or industry there is some sort of human interaction. Where there is human interaction and a successful client base, there is customer service. Title Junction believes strongly in promoting positive messages for our clients so they know that they’re appreciated. This Fort Myers Title Company understands that they and the consumer both share the same goals, to get to the closing table as efficiently and happily as possible. However, your title company also understands that this can be a very stressful time for closing parties and consumers as major transactions sometimes do not go exactly as planned. Title … (0 comments)
yourtitlecompany: How to Save Your Home and Your Wallet
- 10/22/15 11:52 PM
In this day in age we hear about all sorts of promotions and catchy phrases such as “go green” in order to promote the idea of a healthier environment. We’ve made huge technological strides in a short time period and through our own amazement we forget that it takes a tremendous toll on our natural conditions. In addition to this, saving our planet could also save our wallets! So what are a few things you can do? Proper blinds and/or curtains – The more heat that radiates into your home, the harder your air conditioning system has to work. The harder you … (0 comments)
yourtitlecompany: 4 Tips for Home Hunting from a Distance
- 09/28/15 12:04 AM
With so many means of transportation it’s no wonder that people feel the temptation to move around so much. Not only that, but there lies so much more opportunity whether it be for a job or even people! However, if you’re searching for a home you may not have all of the time nor the finances to constantly check up on your places of choice prior to moving. So what do you do? 1. Don’t just take the word of one website or the inspiration from one photo. Take a look at a variety of sources so that you can get a … (0 comments)
yourtitlecompany: What You Need to Know about Home Appraisals
- 09/18/15 12:37 AM
Appraisals have become a big piece in the home buyer’s puzzle. But what exactly is it? An appraisal is simply an estimate or valuation of the overall worth of your future home. This is usually required by lenders since the home more than likely serves as collateral. The appraisers take many things about the property into consideration. For example, they provide an estimate of how long it would take to sell your home, compare it to other homes within the surrounding area, take note of any home improvements and gain knowledge on the structure of the home. So what can you do to improve … (2 comments)
yourtitlecompany: The Personal Strategy to Professional Gain
- 09/17/15 12:22 AM
A man once said “worry (stress) is a misuse of the imagination”. In such a Westernized culture, we thrive upon the idea of success through routine. Most of us wake up, go to work, resort to an evening routine and then retire to bed so that we may do it over again. It isn’t a surprise for this to become a grueling process. When we allow the mundanity of our lives overrule our own individuality we get run-down! We reach for that coffee or cancel that last appointment. However, no matter how well we think we mask it in front of … (13 comments)
yourtitlecompany: From Selling to Sold: Tips to get your home off the market
- 09/17/15 12:13 AM
You’ve done it all. You’ve cleaned the carpets, dusted the fans, repainted the walls and eliminated any trace of Mr. Whiskers. Then why doesn’t your home have a “sold” sticker plastered across the lingering “for sale” sign? Buyers have come through but what could you possibly be doing wrong? You may be doing a lot right but there are a few strategies to selling your home you may want to consider if you haven’t otherwise. Exhausting these options allow your home to climb to the top of buyer’s wish lists. - Utilize signs: Whether we want to admit it or not, when we … (0 comments)
yourtitlecompany: Four Reasons Why YOU Should Hire a Real Estate Agent
- 09/17/15 12:04 AM
Real estate agents; Oftentimes they are the helping hand that we convince ourselves that we don’t need. We had that friend of a friend of a friend who sold their house that one time in that one state super quick! We have to come to terms that, well, we aren’t that friend. It’s certainly possible to sell your home on your own but why not take in consideration the perks of having a real estate agent? 1. They do the communicating so you don’t have to. Maybe you aren’t okay with the buyer’s offer but don’t want have to coordinate around their … (3 comments)
If you’re looking for a home you’ve probably heard the terms pre-qualified and pre-approval thrown around a few times. But what really is the difference between these two concepts? How important is it that you obtain one or the other from your lender?
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