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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 characteristics must a home have to be considered a prestigious property?
A	Unique architectural design; Highly desirable location; celebrity status--owned by a well-known person.
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Vickie Polston, REALTORŽ, real estate agent and broker for Bullhead City, Mohave Valley and Fort Mohave, Arizona home listings, property and land for sale - NUMBER1EXPERT

Vickie Polston
Keller Williams, River Cities Specialist
2440 Adobe Rd.
Bullhead City, AZ 86442
Tel: 928-727-2501
Fax: 928-768-2516
Email: vickieandchuckpolston@NUMBER1EXPERT.com
As residents of Mohave County Arizona, Chuck and I have become familiar with land and homes of the Tri- State area. Our passion for the Colorado River and the community surrounding the area, golfing and gaming at the local casinos in Laughlin, Nevada has not only given us a look into the community's future home growth but allowed us to develop a reputation for marketing, follow-up skills and motivation. As your local Arizona Realtorsďż˝ in Mohave County, we will work harder and longer to find the right lots, property, home, or investments to meet the needs of our clients. Throughout our years in the Mohave Valley area, we have developed a network of investors and contacts to better serve the needs of our clients. Whether you are buying, selling acreage, new or used homes, or investing with us as your Arizona Realtorsďż˝, "no phone call will go unanswered, and no appointment will be missed!" The 2009 Economic Stimulus Package includes a tax credit up to $8,000 for first-time home buyers and those who haven't owned a home in three years. Now is a great time to make your dream of home ownership a reality. I can help you take advantage of this unique opportunity.