Posts Tagged ‘Baltimore City Title Company’

Home Title Services in Baltimore City

Friday, October 25th, 2013

Confirming the validity of your home’s title in Baltimore City is especially important due the nature of home ownership in the city. Properties may have changed hands many times, and the transfer of the title may not have been dealt with properly during one or more of these exchanges. Not having your property properly titled can lead to a lot of legal issues, even if the error had nothing to do with you and everything to do with a previous owner. Titles are also one of the more complicated aspects of buying a property, and the fact that they exist only in the abstract can make them even more confusing. Let American Home Title Group help you title your home in Baltimore, so you can be sure that your properly is properly titled, and that the title is properly ensured. There’s a lot of things you need to concern yourself with when buying a home, but with us on your side, a title won’t be one of them.

 

Baltimore home 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 City 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 City 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 Advantages and Disadvantages of Joint Tenancy

Thursday, September 12th, 2013

Joint tenancy is one option you have when titling your home. By choosing joint tenancy, two or more names are on the title, meaning that they all own the property.

 

Joint Tenancy is commonly used among spouses who want both of their names to be on the title. The main advantage of joint tenancy for spouses is its simplicity. If one spouse dies, the ownership of the property automatically passes to the surviving spouse. The spouse does not need to engage in court proceedings or obtain approval from a judge. He or she need only show a death certificate in order to obtain sole ownership of the property.

 

However, there are disadvantages to joint tenancy. It is especially dangerous when one or more of the parties involved has significant debt, as creditors may force that owner to sell the whole property in order to pay for the debt. Additionally, joint tenancy supersedes the deceased tenants will, meaning it could disinherit children or others, regardless of the wishes of the former tenant. Any party in a joint tenancy can also change their interest in the property to tenancy-in-common, and then transfer or sell this interest as they wish.

 

These disadvantages are the main reason why joint tenancy is more popular among married couples, as trust can be a big issue in this type of tenancy. American Home Title Group can advise you as to the best way to title your home and give you the peace of mind that comes with knowing your property is titled correctly.

 

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 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.

 

Source

 

http://www.ethicalestateplanning.com/advantages-and-disadvantages-of-joint-tenancy/

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Home Title vs. Deed

Wednesday, 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.

title deed

 

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.

 

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.

 

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