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Where Did I Put My Title Policy and Why Does It Matter.
 
When I talk to you about listing your house for sale, I am going to ask for your original Owner's Title Policy. I have had so many Title Policy issues this month that I thought it was time to go over WHY you need to hang on to this important document.
When you are buying a home, there are SO many things to do: so much paperwork to get to the lender, home inspection, movers, home owner’s insurance, changing schools, utilities…. One of the things you usually DON’T have to worry about is Title Insurance. Yes, you DO have to pay for it (often the cost is split with the seller) but your realtor or the closing attorney usually takes care of ordering this important insurance policy.
What IS Title Insurance anyway?  A Title Insurance Policy guarantees that you own the property you are buying FREE and CLEAR.  It ensures the person who is selling the house to you actually owns the property, that there are no other liens on the property – such as to the IRS, a lending institution or a contractor who did work on the house. There are many different insurance companies - just like there ... more

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