Key TakeawaysSame-sex couples and LGBTQ+ homeowners have the same title rights as any other buyer, but historical title defects (prior…
Key TakeawaysTitle insurance is not transferable to a new owner because each policy is a one-time guarantee tied to the…
Key TakeawaysReal estate agent commissions compensate for extensive pre-listing, marketing, showing, negotiation, and post-contract work — most of which is…
Key TakeawaysTitle insurance rates do not change after closing — the premium is paid in full at closing as part…
Key TakeawaysTitle defects discovered after closing — undisclosed heirs, forged prior deeds, recording errors — can cloud your ownership even…
Key TakeawaysWhen you pay cash, no lender requires you to buy title insurance — but skipping it leaves you fully…
Key TakeawaysGovernment shutdowns and employee furloughs can delay mortgage closings when the lender must verify income with a federal agency…
Key TakeawaysLender’s title insurance protects only the lender’s investment; it does not cover you as the homeowner.Owner’s title insurance protects…
Key TakeawaysTitle defects, undisclosed heirs, forged deeds, and clerical recording errors can all surface after closing and threaten your ownership…
Key TakeawaysWire fraud works by scammers hijacking the email of a real estate or title agent and sending fake wire…