Blog
Can I Secretly Record Home Buyers In My House?
In this day and age, recording activity both inside and outside our homes has become almost standard practice. But what about when the time comes to sell your home? Many home sellers are encouraged to leave the premises so they aren’t underfoot during showings by thei...
How Long Do Lenders Keep Loan Records?
How long a lender keeps certain records depends on each individual record itself. For example, creditors must retain escrow cancellation and partial payment policy disclosures for two years, loan estimate records for three years after loa...
How Lenders Decide Your Maximum Loan Amount
When deciding the maximum loan amount that a buyer can afford, lenders will consider your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses.
Non-housing expenses include such long-term debts as car or s...
Title Junction’s Christmas Angel Tree 2021
Title Junction is partnering with The Salvation Army to host an Angel Tree for the 2021 Christmas season!
Angel Tree? What’s That?
The Angel Tree Program was created by the Salvation Army in 1979 to provide toys an...
3 Helpful Things All Homebuyers Should Know
For most Americans, buying a house is the single biggest purchase we will ever make. While most people like to believe they know something about real estate or their local real estate market, very few actually do. With that being said, there are a few things all homebuy...
Home History: Closing the Deal or Killing the Sale?
Films about creaking homes with mysterious pasts are fun to watch on screen, but what about when it becomes a reality in a home you are thinking about buying? How does that make you feel about the property? Studies have shown that buyers aren’t likely to pay the askin...
What’s Refunded If My Loan Is Higher Than My Estimate?
If the amount you pay at closing exceeds the amounts disclosed on the Loan Estimate - beyond tolerance limits for each category - the creditor must refund the excess to you no later than 60 calendar days after loan consummation.
Charges subject...
How To Submit A Title Insurance Claim
If you have an owner’s title insurance policy with a title company, the hope is that you’ll never have to use it. However, in the case of a title defect or other claim that jeopardizes your homeownership, it’s good to know the basic process of how your title insur...
Non-Negotiables for Home Buyers
When purchasing a new home, it can be difficult to get just the right “deal” you and your family are looking for. And if you’re a first-time homebuyer, it’s easy to get overwhelmed as you try to keep track of your agenda as well as your needs in a future home.
How Do I Evaluate An Offer?
There’s more to an offer than the price tag. There are a few factors you should consider:
Is this offer at, near or above my asking price?
Are there clauses and additions in their offer that change the terms and final price substantially?