Home : Florida : Manatee County : Bradenton : Maryanne Kett

Name: Maryanne Kett
Company: Optimum Title, LLC
E-mail: Contact Maryanne Kett (Optimum Title, LLC)
Office Phone: (941) 748-3400
Fax: (941) 748-3455
Address: 5260 STATE ROAD 64 EAST, Bradenton, FL, 34208
Description: For most of us, the purchase of our home is the single biggest investment we ever make. We at OPTIMUM TITLE will help ensure a trouble-free, successful closing!

ABOUT US!

Our staff at OPTIMUM TITLE has 20 years experience in the real estate business. Our title insurance underwriter, OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY has been providing title insurance for homes like yours all across the nation for over 100 years. Success is built on a sturdy foundation of proven financial strength, incomparable title expertise, and exceptional service from fellow community members and friends you can count on. OPTIMUM TITLE along with OLD REPUBLIC NATIONAL TITLE INSURANCE offers the distinctive service you deserve.

Our company allows us the opportunity to work with clients on a personal level. All parties involved in your transaction work with the same person start to finish. You can stop by our office or contact us by telephone or email and speak with your closing agent at any time. Your questions will always be answered with the importance they deserve.

OPTIMUM TITLE maintains very low competitive fees. You can call at any time for a price quote or estimate. Our success is built upon the referral of our clients to their friends and neighbors. It is also our belief that you will request us again as your real estate needs grow. Our professionalism and expertise are second to none.

Please feel free to contact our Closing Manager:

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OPTIMUM TITLE, LLC

MARYANNE KETT, Closing Manager

5260 STATE ROAD 64 EAST

BRADENTON, FL 34208

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PHONE: (941)748-3400 FAX: (941)748-3455

EMAIL: Maryanne@OPTIMUMTITLE.COM

TIPS FOR A SUCCESSFUL REAL ESTATE CLOSING!

HOW TO PREPARE FOR YOUR REAL ESTATE CLOSING

Schedule your closing with your real estate agent accordingly. In most cases, if the buyer is obtaining mortgage financing, it is preferred that the buyer come in at least one half hour prior to the seller so that they can sign their mortgage papers in private. Be sure to allow adequate time in your schedule. A first time buyer will need time for questions. Most closings take at least one hour.

Settlement Agents make every effort to get final closing figures to buyers and sellers as far in advance as possible. Sellers’ information can be completed much quicker than buyers’ especially if the buyer is using a lender. Sellers should provide information on current mortgages to the settlement agent so that payoffs can be ordered. Depending upon the lender, some payoffs can take up to 10 days to receive. Buyers’ should be patient. Most settlement agents do not receive instructions and fees from the mortgage lender until the day before closing. In some cases, the morning of the actual closing.

Florida law requires that all funds brought to closing must be certified. This means you must bring a cashiers or certified check. You may also make arrangements for your funds to be wired directly to the settlement agent. Additional fees may be charged for wiring. All checks should be made payable to Optimum Title, LLC.

Photo identification is required for all buyers and sellers. In some cases, a mortgage lender may require a secondary form of id, usually not a photo id, for example a credit card, social security card, ect. Some examples of acceptable photo identification would include a drivers license, passport, resident alien card, or military identification.

Please bring a smile. Any discrepancies or disputes should be taken care of prior to closing. Our main objective is to make sure all parties involved in the closing are happy and satisfied when they leave. No one ever wins an argument at the closing table.

WHAT IS TITLE INSURANCE?

DO I NEED TITLE INSURANCE?

Most definitely! Title insurance is a means of protecting yourself from financial loss in the event that problems develop regarding the rights to ownership of your property. There may be hidden title defects that even the most careful title search will not reveal. In addition to protection from financial loss, title insurance pays the cost of defending against any covered claim.

BUT THE LENDER ALREADY REQUIRES TITLE INSURANCE. WON’T THAT PROTECT ME?

Not necessarily. There are two types of title insurance. A LENDER’S POLICY insures that your lender has a valid lien on the property. Most lenders require this type of insurance, and typically require the borrower to pay for it. An OWNER’S POLICY, on the other hand, protects YOUR interest in the property. Title troubles, such as improper estate proceedings or pending legal action, could put your equity at a serious risk. If a valid claim is filed, in addition to financial loss up to the face amount of the policy, your owner’s title policy covers the cost of legal defense.

SHOULD I SHOP AROUND FOR THE BEST TITLE INSURANCE DEAL?

Florida is one of the states that closely regulate title insurance rates. Significant differences exist in the additional charges you will be required to pay such as settlement fees, title search fees, courier fees, wire fees, ect. It pays to investigate your options.

You also want to work with a title insurer that responds readily to your needs and performs its complex tasks with great accuracy. It is vital that you choose a title company that maintains an experienced and professional staff and management.

CAN A TITLE COMPANY HANDLE MY CLOSING?

Yes, in most areas of the country. Your title company will act as a central clearing house for the parties involved in the transaction, collecting necessary documents, insuring adherence to the lender’s title instructions, making arrangements for proper payment and distribution of funds. We are fully prepared to work with you from the beginning of the transaction all the way through to conclusion. You can be confident that you will enjoy a successful closing. If a problem should arise that needs legal advice that your licensed title agent cannot provide, most companies have an attorney available that can be contacted immediately for consultation.

WHY SHOULD I USE OPTIMUM TITLE?

The search may have been long, but you’ve finally found the home of your dreams. You love its style, floor plan, and views. The neighborhood looks great! You’ve also done the hard work of reaching an understanding with the seller on a price, signed a purchase agreement, and made an earnest money deposit. The home inspection went well, your mortgage has been approved, and your excitement builds as the big day of closing approaches.

For most of us, the purchase of our home is the single biggest investment we ever make. We certainly do not want any last minute problems to threaten the transaction. We at OPTIMUM TITLE will help ensure a trouble-free, successful closing.

Our staff at OPTIMUM TITLE has 20 years experience in the real estate business. Our title insurance underwriter, OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY has been providing title insurance for homes like yours all across the nation for over 100 years. Success is built on a sturdy foundation of proven financial strength, incomparable title expertise, and exceptional service from fellow community members and friends you can count on. OPTIMUM TITLE along with OLD REPUBLIC NATIONAL TITLE INSURANCE offers the distinctive service you deserve.

OPTIMUM TITLE maintains very low competitive fees. You can call at any time for a price quote or estimate. Our success is built upon the referral of our clients to their friends and neighbors. It is also our belief that you will request us again as your real estate needs grow. Our professionalism and expertise are second to none.