What is title insurance and why do I need it?
Most types of insurance focus on possible future events and charge an annual premium. Flood, home and auto insurance are just a few...
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What does title insurance protect me from?
There are few things in life more important than protecting your home. The following matters are examples of why you need title...
Understanding the closing disclosure
A Closing Disclosure is a five-page form that provides final details about the mortgage loan you have selected. It includes the loan...
Understanding the HUD-1 Settlement Statement
The Settlement Statement is the financial picture of the closing, used for cash closings, commercial property closings or investment...
What happens after a home purchase contract is signed?
You’ve found a house, or a buyer has found yours, and everyone has agreed on a price. So what happens between now and the time you or...
What does the home loan process entail?
If you are borrowing money from a lender to purchase real estate, you can generally expect to follow these steps as part of the loan...
Understanding the commitment for title insurance
First Title Company begins the process of preparing a Commitment for Title Insurance once we have received an order for title services....
How can home buyers help ensure a smooth closing?
The homebuying process can feel long and complicated if you don’t have the proper tools and resources. Here are some steps to take to...
How can home sellers help ensure a smooth closing?
Selling your home is a lengthy process with various things to consider and tasks to complete. Here are some steps to help ensure selling...
Who generally pays for what in real estate transactions?
When it comes to real estate transactions in Texas, generally the costs are split as shown below. The Buyer: All new loan charges...
How to avoid wire fraud in real estate transactions
Large sums of money change hands in real estate transactions, which can make you a target for wire fraud. Criminals may send emails to...
Understanding Texas homestead exemptions
You may apply for homestead exemptions on your principal residence. Homestead exemptions remove part of your home's value from taxation,...
What is a home warranty and what does it cover?
A Home Warranty is a contract between a homeowner and a home warranty company that provides for discounted repair and replacement service...
How do real estate tax prorations work?
Proration is defined as the act of dividing property taxes, interest, insurance premiums, rental income, etc., between buyer and seller...
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