Archive for the ‘Home Titles’ Category

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Your Columbia Title Company

Friday, March 28th, 2014

Are you looking for a title company in Columbia? American Home Title Group is here for you. We’ve been providing homeowners and home buyers with title assistance for more than 25 years in Columbia, Howard County, and throughout Maryland. Here’s what you can expect when you work with us.

Accuracy

We strive for accuracy in all of our home title work, because we know that when it comes to title insurance and services, nothing less will suffice. You want the peace of mind that comes with knowing that your Columbia home’s title has been accounted for and verified, free of any liens or encumbrances. At American Home Title Group, this is what we deliver.

Coordination

Things move faster when everyone is in the loop and knows exactly what’s going on. That’s why we make sure we coordinate with all parties involved with your home’s title. After assembling all pertinent information and delivering an accurate estimate of the costs to you, we coordinate with the buyer, seller, lender, and real estate agent so everyone is informed. When it comes time to close, we’ll conduct the closing, assemble all necessary parties, issue title policies, record pertinent documents, and distribute funds as appropriate.

Experience

Our experience as a home title company means we know the workings the titling process in and out. We use this experience to work quickly and efficiently to title your home. For all your title needs, you can count on your Columbia title company, American Home Title Group.

 

Columbia title company

 

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Columbia title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

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Protect Your Anne Arundel County Home with Title Insurance

Thursday, January 16th, 2014

Fighting a title claim on your home is a prospect that any homeowner does not want to experience. Unfortunately, even though you may have thought that the title on your home was clear, a situation may arise later where it turns out that your claim to your home’s title was not as solid as you thought. It might seem unlikely that this will happen, especially considering that the issue of the title is covered during a real estate transaction. However, whether it be as a result of a mistake or lack of research, a valid title claim on your home’s title is not an impossible scenario.

Fighting a title claim on your own is expensive, drawn-out, and stressful, and without proper legal counsel, you may not be able to fight as effectively as possible. American Home Title Group offers title insurance for residents of Anne Arundel County, to ensure that if a claim does come up on your title, that you won’t have to dragged into litigation. As your Anne Arundel County title company we offer title insurance that will protect you from claims on your title. We’ll handle the litigation, and you get to keep your name on that title you worked so hard for. If you need title insurance in Anne Arundel County, talk to American Home Title Group today.

 

Anne Arundel County title company

 

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Anne Arundel County title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your Anne Arundel County title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

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How Can I Get Title Insurance in Baltimore County?

Thursday, January 9th, 2014

Title insurance may be one of the most single important purchases you can make when it comes to protecting your house in Baltimore County. Home titles protect you from claims that may arise from conflicting wills, missing, heirs or even fraud. In short, a home title is the claim to ownership of the land on which your home sits. While your name may be on it, others may claim it as theirs and in some cases have a legal justification for their claim. Title insurance protects you from these claims because the title insurance company settles them for you. This saves you time and innumerable court costs and legal fees that would add up should you take on one of these claims on your own.

 

If you’re looking for title insurance in Baltimore County, American Home Title Group can help. We can protect your Baltimore county home from title claims both legitimate and fraudulent, to ensure that your home and your property stay in your hands. Contact us today for more information.

 

Baltimore County Title company

 

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Baltimore County title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your Baltimore County title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

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What Does a Title Insurance Premium Pay For?

Wednesday, December 18th, 2013

Title insurance protects your property from claims against the title, both valid and invalid. Though it might seem unlikely that a home will have title issues, it’s actually a lot more common than you might think. “According to an American Land Title Association (ALTA) survey, one out of every four real estate transactions shows evidence of title problems.” Though it doesn’t get much press, home title insurance is actually one of the most effective methods of protecting your home.

So how much can you expect to pay for title insurance? The premium varies on a case-by-case basis, but a good rule of thumb is ½ – 1 percent of the purchase price. There are 5 main operations title companies engage in which determine the premium, ranked here from largest to smallest according to homeclosing101.com:

  1. Maintaining current title information on property local to the operation, also known as the title plant. Both this task and the second task require significant time expenditures to search for forged or falsified documents, incorrect property descriptions, recording mistakes, liens, and a number of other potential issues.
  2. Searching and examine the title to subject properties.
  3. Resolving or clearing title defects.
  4. Claim costs and legal fees.
  5. Profit. The expense ratio for title companies is much greater than other types of insurance, and can exceed 90%.

 

So, if you’re looking at title insurance in Baltimore, know that while it might not seem as important as home, car, or life insurance, it will keep your house in your hands in the event of any title claims.

Baltimore home title insurance

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Baltimore title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your Baltimore title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

 

Source

http://www.homeclosing101.org/insurance_dollars.pdf

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What Are the Two Kinds of Title Insurance?

Thursday, December 12th, 2013

Did you know that there are actually two kinds of title insurance. The first kind, Owner’s Title Insurance, also known as the Owner’s Policy, protects the homeowner from claims against their property’s title. The second kind, Lenders Title Insurance, also known as the Loan Policy, protects the lender from claims against the property. Let’s take a look a more in depth at the two kinds of title insurance.

 

Owner’s Title Insurance

The Owner’s Title Insurance/Owner’s Policy protects the homeowner from any claims that may arise against the title. This insurance is purchased at the time on closing for a one-time fee, usually for the amount of the real estate purchase, and lasts as long as you or any of your heirs have an interest in the property which it covers. Title problems that this the Owner’s Title Insurance covers include undisclosed heirs, forgery, and any mistakes in examining records or mistakes in the deeds themselves. If a claim is brought against your title, the Owner’s Policy protects you with the legal backing of your title company.

 

Lender’s Title Insurance

The Lender’s Title Insurance/Lender’s Policy does the same thing the Owner’s Policy does, except it covers the lender of the property. When a title claim is filed, it’s filed against everyone who has an interest in the title. If you still owe money on the property to the lender, the lender has an interest in the property, and therefore is vulnerable to claims against the title. The Lender’s Policy protects them from these claims.

 

home title insurance

 

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Baltimore title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your Baltimore title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

 

Source

 

http://www.homeclosing101.org/whyneed.cfm

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Do I Need Title Insurance on a Newly-Built Home?

Friday, December 6th, 2013

When you’re the first to build a home on a lot that was previously empty, it might seem like you don’t need title insurance, as there was no house their before yours. However, even though you were the first to build a house on the lot, the unimproved land may have changed hands several times before it came to you. Title searches can uncover any liens on the property.

 

Where could a lien on an improved property come from? One possible scenario is that a previous owner and builder intended to improve the property, but didn’t pay the subcontractors and suppliers. As a result, the subcontractors and suppliers could have placed a lien on the property. While you may not have been aware of this when you bought the property, a lender won’t finance your mortgage unless the title is clear. Another possibility is that there was a house on the lot at one time, but it was destroyed by a natural disaster, or removed by man-made means.

 

Lenders also want to verify that they are insuring the correct property. The boundaries of unimproved properties may have become fuzzy over time, which could result in disputes with property owners who share borders with your property. A survey can determine the correct bounds of the property, which will allow the lender to insure the correct property.

 

In summary, even if the property you’re building on is unimproved, you will need title insurance, as the property likely had one or more previous owners.

 

title insurance newly built home

 

 

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Baltimore title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your Baltimore title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

 Source

http://www.homeclosing101.org/whyneed.cfm

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Your Home Title Insurance Rights in Maryland

Thursday, November 21st, 2013

It’s important to know your rights with regards to title insurance in Maryland. What are your rights when it comes to settlements and title insurance? Below is The Title Insurance Consumer’s Bill of Rights from the Maryland Real Estate Commission, which covers all of your rights as the consumer in the process.

 

Nine Things You Should Know Before Signing a Contract of Sale or Refinancing Your Property

 

  1. You have the right to choose your settlement agent and title insurer.
  2. You have the right to receive settlement cost information early in the real estate settlement process, allowing you to shop for the settlement services that best meet your needs.
  3. You have the right to receive an itemized settlement statement from the settlement agent detailing all fees paid to the settlement agent before you agree to use that settlement agent.
  4. You have the right to be informed about the total cost being paid by you to the settlement agent.
  5. You have the right to ask and receive accurate information from your settlement agent about whether there is a ground rent, lien, judgment, or any other impediment to outright ownership of the property.
  6. You have the RIGHT to request and receive from your settlement agent the Settlement Statement (HUD-1) the business day before the date of settlement.
  7. You have the right, before you sign, to ask the settlement agent questions and receive clear and complete answers about charges and documents that you do not understand.
  8. You have the right to receive copies from the settlement agent of all documents you signed at the time of closing.
  9. You have the right to have all funds disbursed timely and properly by the settlement agent in accordance with the Settlement Statement (HUD-1) you signed at closing.

 

Source: The Real Estate Settlement Procedures Act (RESPA) of 1974, 12 U.S.C.§ 2601 et seq.

 

Keep these rights in mind when choosing a settlement agent and title insurer. More information is available here.

 

 

 

home title insurance rights

 

 

 

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Baltimore title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your Baltimore title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

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How Title Insurance Protects You From Conflicting Wills

Thursday, November 14th, 2013

Last week we talked about how title insurance can protect you from real estate fraud. This week, we’ll discuss how home title insurance can protect you from conflicting wills.

 

When a property owner passes away, their will dictates who will receive the deed to the property. However, things can get misplaced or lost in the shuffle, and sometimes the title deed is unable to be found. In this example from Home Closing 101, a probate court gives the property from a late mother’s estate to one of her sons, who sells it. Later, the other son finds the deed in a drawer and files a claim on the property. Depending on how the court rules, the new owner of the house could be looking at serious financial damages. However, if the owners have title insurance, the insurance will pay for the brothers’ claim and legal fees if the deed is upheld in court. While it may seem like such a scenario is unlikely, it can happen, and if it does happen to you, you’ll be glad you have title insurance.

 

 

American Home Title Group

 

 

 

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Baltimore title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your Baltimore title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

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The Importance of Title Insurance

Thursday, November 7th, 2013

American Home Title Group can help you avoid legal potential problems with our extensive experience in the business. We’ll make sure your home is properly titled and insured, which is important for several reasons. Here’s one of them.

 

One example of real estate fraud is when a seller assumes the identity of a property owner and tries to sell the property. Let’s say you own a property in Baltimore but live in California, and haven’t visited Baltimore in some time. In this example from Home Closing 101, someone could easily look up the public records of Baltimore properties with out of town owners who have owned the properties for a long period of time. It would be easy to determine that they weren’t living there currently, and to forge the proper deeds, assume the property owner’s identity and sell the property to a buyer. Title insurance would protect you from this kind of real estate fraud, and ensure that the property remained in your hands.

 

home sales

 

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Howard County title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your Howard County title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

 

Source

 

http://www.homeclosing101.org/whyneed.cfm

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Get Your Home Titled in Howard County

Friday, November 1st, 2013

Buying a new home? Congratulations! Now it’s time for lots of paperwork. Buying a home is a very involved process, and no easy task. One of the things you’ll have to do after initiating the buying process is titling your home. In essence, a home title covers ownership of the land the property sits on. Having your home properly titled is important in order to avoid ownership disputes and potential legal issues. If you’re buying a home in Howard County, you can trust American Home Title Group to properly title your home, so you can enjoy your new homeownership.

 

home title options

 

American Home Title Group has been helping Marylanders with their title needs for over 25 years. In the ever-volatile real estate industry, a company’s longevity can be attributed to the quality of its work. With more than 120 years of experience in real estate and titles, American Home Title Group is your Howard County title company ready to provide you with the best experience possible in every capacity.

To get you started on the way to titling your home, try our free title settlement quote program here. You can fill it out for a free, no obligation title quote. It’s easy and fast so you’ll have the information you need in seconds. Contact us for more information about our title and other real estate services.

As your Howard County title company, American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to begin your home titling process. Our phone number is 410-750-8500. To reach us via email, please send a message to info@americanhometitlegroup.com. Follow our blog and keep up with us on Google+, Facebook, and Twitter.

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