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Real Estate Tips
Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Real Estate Trivia
Q 
What is a Balloon Mortgage?

A 
A balloon is a short-term mortgage which requires the entire balance of the loan to be re-paid at the end of the loan term.
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Bob and His Team of Experts, REALTOR®, real estate agents and broker for Denver, Highlands Ranch and Castle Pines, Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

Bob Maiocco
Keller Williams, The Maiocco Team, Inc.

6300 South Syracuse Way, #150
Greenwood Village, CO. 80111
Phone: 720-273-4262
Fax: 303-479-7532
Email: bobmaiocco@KW.com

Choosing the best real estate agent to represent you can be a daunting task. Most of us are at least friendly, and many are quite talented. I have an unyielding desire to fully understand your wants, needs, goals and limitations and also the resources to apply a working knowledge of your goals with a comprehensive knowledge of the market inventory and market conditions. I have dedicated my career to learning and developing systems to take in the entire picture, find the perfect homes, and secure the right property at the best possible terms.

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