Blog - Month: August 2021

Month: August 2021

Title Insurance Terms to Know

Title Insurance Terms to Know

Posted By Andrea Robinson
August 31, 2021 Category: General

Buying a new house can sometimes seem like navigating through uncharted waters: unfamiliar territory filled with terminology and procedures completely foreign even after consulting professionals and other resources! We have compiled a list of ten title insurance terms to know before buying a home.   Title: A title is a legal document that proclaiming an individual's right to ownership of a property.   Abstract of Title: An abstract of title is a summary of public records concerning a specific piece of land.   Chain of Title: A chain of title is a document that details the title transfers of a piece of property throughout the years.   Certificate of Title: When an attorney examines abstracts or chains of title, a certificate of title is a written opinion upholding the validity of the title's abstract.   Examination of Title: The examination of title is the report on the title of a property from the title's abstract or public records.   Loan Policy: A loan policy protects the lender's interest against loss due to title defects. It acts as an insurance policy by upholding the validity, enforceability, and priority of the lien of a mortgage.   Owner's Policy: An owner's policy is title insurance for the property owner, not the lien holder.   American Land Title Association (A.L.T.A): A.L.T.A is an organization of title insurance companies that have adopted certain insurance policy forms

Why You Should (Always) Get the Title Insurance

Why You Should (Always) Get the Title Insurance

Posted By Andrea Robinson
August 24, 2021 Category: General

Title insurance is one of the most important purchases a homeowner can make. We are here to help you understand why it's crucial to purchase title insurance. It offers financial security and protection, putting your mind at ease and free of worries from any unexpected situations that may arise. When you purchase a home, you receive the property's title. The title gives you the legal rights to own the property. The property's history is reviewed during the title search process to determine if any issues could pose a problem to your ownership. Sometimes, title searches fail to discover critical title defects that can put your homeownership rights at risk. Title insurance assures you that the title search will not miss any types of defects, and if it does, then your policy covers the cost. An owner’s title insurance policy differs from other types of insurance because you are protected against any claims that can arise from past occurrences, such as liens, conflicting wills, or back taxes. Defects in titles can be costly, so taking advantage of this protection is vital. If you are worried about monthly costs associated with title insurance, don't be. Title insurance is a one-time-only premium; the price of your home determines the cost, and it lasts as long as you own your property. Most of your fees go toward the title insurance process, clearing title requirements, and examining documents; your premium ensures that you and your property rights are pr

5 Summer Desserts You NEED to Try

5 Summer Desserts You NEED to Try

Posted By Andrea Robinson
August 17, 2021 Category: General

It's summer, and you know what that means - it's time to get out the grill and make some of those delicious BBQ foods! But when you're done grilling for dinner, don't forget dessert! Here are five awesome desserts that will satisfy your sweet tooth this summer. 1. Berry Parfait This parfait is a cool and refreshing dessert that you can make in minutes. Use store-bought pound cake, whipped cream, berries, agave syrup to make the marinade for your fruit topping. Layer all ingredients into wine glasses before serving cold! The perfect compliment during these hot summer months in any season of the year with family or friends. 2. Margarita Cupcakes Nothing says summer like a cold pitcher of margaritas, and these cupcakes are the perfect way to celebrate. The moist cake is sprinkled with lime zest for added flavor. Drizzle them with tequila syrup if you want an extra kick. 3. Mocha Torte A frozen chocolate and coffee cheesecake that will satisfy your sweet tooth. The Oreo crust adds plenty of chocolaty flavors, while a creamy filling made from cream cheese, chocolate syrup, condensed milk, and coffee makes it the perfect treat to cool down with on these hot summer days. Folding whipped cream through the mixture helps to incorporate air for a rich texture. Top with Bailey’s whipped cream for something even more decadent. 4. Passionfruit and Prosecco Jello Cups Jello isn’t just for kids. This grown-up version is made with sweetened passion f

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