American Home Title Group: For All of Your Real Estate Needs

September 5th, 2013

If you’re looking for affordable and accurate service for your home title needs, American Home Title Group is the only company you need to consider. Our experienced staff will provide you with excellent customer service while helping you navigate through the home title process. Whether you’re in Howard, Baltimore, Anne Arundel, Montgomery, or Carroll County, or in Baltimore City, we’ll make sure you get the service you need at a price that works for you.

While we provide excellent title service, we can also help you with a variety of other real estate needs. If you’re looking to refinance, our team will help you refinance at a benefit to you. On the other hand if you’re looking to sell without the assistance of a real estate agent, we assist you with our For Sale By Owner Services.

We wouldn’t be a title service company if we didn’t work with deeds as well, which is why we offer extensive deed preparation services, covering everything from general warranty and life estate deeds to quitclaim and confirmatory deeds.

Our experience in the real estate industry also allows us to be of great service in legal matters, which abound in just about any aspect of buying or selling a house. Let us help you through the process so you can have the peace of mind that comes with knowing you don’t have to worry about any legal issues that might impede your purchasing or selling process.

Whatever service you may need, you can be sure that American Home Title Group can assist you with great customer service at an affordable price.

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 ready to provide you with the best experience possible in every capacity.

American Home Title Group is ready to assist you today with a variety of real estate needs you may have. Contact us now to get started. 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.

Tags: American Home Title Group, Baltimore title service, Maryland title service, real estate services, title service
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For Sale By Owner Assistance from American Home Title Group

August 28th, 2013

For Sale By Owner, also known as FSBO (pronounced fizzbo in its abbreviated form) is the term for when a homeowner chooses to sell his house without the help of a real estate agent. The advantage of FSBO is that the owner doesn’t have to pay commission to a real estate agent, which can add a nice sum to the final sale for the homeowner. Also, FSBO is a good option for homeowners who are concerned that a real estate agent might be more focused on selling their home quickly rather than selling it for the best price.

However, FSBO can be a lot of work. Real estate agents do a lot of leg work when it comes to home sales. This includes things like market research to find comparable homes in the area and suggest a good price for your home based on these comparisons. The agent can use his or her experience to suggest how to best present your home to potential buyers, and will schedule, advertise, and cater open houses both for other real estate brokers and the public. Perhaps most importantly the agent can help you when it comes to negotiations, and use his or her experience to evaluate an offer’s strength and how to respond to an offer. Agents also help you through the escrow process and negotiate with the buyer’s agent up to the final closing. So, while FSBO has the potential to save you a lot of money, it comes at the cost of a lot of your time. This is where American Home Title Group comes in.

Our Maryland for Sale by Owner Assistance services are extremely affordable, and handled by industry professionals who complete every step in the process quickly and accurately. Our real estate attorneys can draft the contract, and provide expert counsel and advice. Information on financing options is available from the team at American Home Title Group. The many industry contacts we have enable us to recommend Lenders, Home Inspectors, Contractors, and other service providers who are reliable, honest, and trustworthy.

Source

http://www.nolo.com/legal-encyclopedia/real-estate-agent-sell-house-30259.html

Tags: for sale by owner, FSBO, Maryland For Sale by Owner Assistance, Maryland real estate, real estate agents
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Home Title vs. Deed

August 21st, 2013

There is a difference between a home title and a deed, though they are often mistaken for the same thing. A deed is a physical document by which ownership transfers title to the property. The title itself refers to ownership of the property in a non-physical sense. A title is not a physical document but the actual intangible concept of ownership of a piece of a land.

There are several different types of deeds relating to real estate. They are the general warranty deed, the special warranty deed, the bargain and sale deed, and the quitclaim deed.

The general warranty deed provides significant protection to the buyer, as the seller is obligated to provide the following warranties, also known as covenants, to the buyer under the general warranty deed.

Covenant of seisin- The seller’s warrant that he has the right to convey the title to the buyer.

Covenant against encumbrances- The seller guarantees the title has no outstanding leins or other encumbrances.

Covenant of quiet enjoyment- The seller guarantees the title against third parties who might claim the property as their own.

Covenant of further assurance- The seller guarantees that he will take any necessary action to make the title good.

Covenant of warranty forever- The seller will compensate the buyer if the title fails.

The special warranty deed warrants that the seller received the title and that during the time the seller held the title, it was not encumbered by leins, except as noted by the deed.

The bargain and sale deed does not protect the buyer against encumbrances, but does state the seller possesses and holds the title to the property.

The quitclaim deed, like the bargain and sale deed, does not provide any warranties, but rather conveys whatever interest the seller had at the time the deed is delivered.

Tags: Anne Arundel County Title Company, Baltimore City Title Company, Baltimore County Title Company, home title, Howard County Title Company, title deed, types of deeds
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What Is Title Insurance?

August 15th, 2013

Title insurance is part of the closing costs of buying a home that is sometimes unanticipated. However, it could prove to be a huge benefit to you in future. Here’s why.

Title insurance covers you in the event that any prior ownership of the property comes into question. This is because a title itself is not a physical piece of paper, it is a record of all previous ownerships and liens of the property. The deed on the other hand, is a physical document.

So why might you need insurance on something that doesn’t even physically exist? When you sign a contract to buy a house, the next step in the process involves pulling the records for the property and verifying that all previous lien and ownership documentation that have been filed are valid. The county recorder only verifies documents, he or she does not verify their validity.

Therefore, if any questionable documentation arises (e.g. if any liens are found to be invalid or if anyone who claimed to own the property was not actually a titleholder) during this period after you sign the contract called the title search, the burden of any payment (if required) will be on the insurance company and not you, if you have title insurance. If you do not have title insurance it will come out of your own pocket. While costs vary depending on the situation, this is an expense that many homeowners do not want to incur, and it can be easily avoided by having title insurance.

Source

http://www.tele-management.ca/2013/07/home-buyer-questions-what-is-title-insurance-and-is-it-worth-it/

Tags: home title insurance, liens, property ownership, title insurance
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How to Title Your Home

August 9th, 2013

Titling your home is an important step in the process of buying a home, though not all home buyers realize this at the time of titling. Titling your home correctly will ensure that any legal situations involving your home play out with your best interests in mind.

There are several options when it comes to titling your home. Sole ownership means that you and you alone hold the title in name, even if you own the property with other people. Joint tenancy with the right of survivorship lets you hold the title in more than one person’s name. Tenancy in common is another way to hold the title in more than one name, though there are a few differences between tenancy in common and joint tenancy.

In joint tenancy, when one of the person’s named on the title passes away, the title is transferred to the other named person without the property passing through probate, which is the validation or invalidation of a will after death. In tenancy in common, when one of the titleholders passes away, his or her interest in the property, or the right to the property and its use, is distributed according to his or her will, or if there is no will, then the interest is distributed according to state law.

Home buyers should consider who they want to end up with their interest in the property when titling the property. Joint tenancy is common among spouses, as the property will be passed on to the other spouse after the other passes away. However, sometimes spouses choose to forgo joint tenancy if one has credit issues, which could make the property a target for creditors if the credit issues were to worsen. Spouses also may want to avoid joint tenancy if one has a high-liability occupation, such as a doctor, who could be vulnerable to malpractice claims which could also go after the property.

You may want to consider tenancy in common if you’re moving into a new home after a new marriage but with children from a previous marriage. This way when you pass, your interest will go, by law, to the beneficiaries of your estate.

Parents should hesitate to put adult children on the title as joint tenants, though it may seem logical to make it easier for them to acquire the property in the future. However, this can prevent them from obtaining certain tax benefits, and can backfire. If the child has poor credit, his or her creditors can come after the property, or they can claim the property as their own under sole ownership after you pass away, while you may have had different wishes for the property.

Source

http://www.bankrate.com/finance/real-estate/how-should-you-title-your-home-1.aspx

Tags: home title, title deed, title options
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American Home Title Group Works for You

August 2nd, 2013

Here is a list of some of the services provided by American Home Title Group:

Purchases- American Home Title Group will make your title purchase as easy as possible. They will work to coordinate all parties involved, including Buyers, Sellers, Lenders, and Real Estate Agents, and will work to close quickly and efficiently. We also offer title insurance policies to protect your investment and offer you peace of mind.

For Sale By Owner- If you are looking to buy or sell and don’t have a real estate agent, American Home Title Group can help with Maryland For Sale By Owner (FSBO) Assistance. We will make sure the entire process goes smoothly and is executed professionally every step of the way.

Legal Services- Our experienced real estate attorneys can handle everything from contracts and deeds to mortgages and other real estate documents. We can also help with settlements, title, escrow, and closing services, all fully insured and bonded.

Refinance- Looking to refinance? Look no further. Our extensive experience in the industry means your refinance doesn’t have to be a painful process.

Deed Preparation- We can assist with deed preparation services for all kinds of deeds including general warranty, special warranty, quitclaim, life estate, personal representative, and confirmatory or corrective deeds.

Tags: real estate, title, title purchase
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July 12th, 2013

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American Home Title Group: For All of Your Real Estate Needs

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American Home Title Group Works for You

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