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Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Q	What does the term ARM stand for?
A	An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market.
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Betty Laboska, REALTORŽ, real estate agent and broker for Manalapan, Jackson and Freehold New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Betty Laboska
Century 21 Mack-Morris Iris Lurie, Inc.
47 Route 9 South; PO BOX 193
Marlboro, NJ 07746
Cell: 732-614-1429
Office: 732-536-2228
Home Office: 732-833-4290
Fax: 732-833-4291
Email: bettylaboska@NUMBER1EXPERT.com
Hi. I am Betty Laboska of Century 21 Mack Morris Iris Lurie. Thanks for stopping by. I am a very successful Realtor who specializes in selling homes in the Monmouth County area. I have had almost $30,000,000 in sales in the past two years. I believe that I stand out among other real estate agents because of my dedication to my clients. I have been told that I possess qualities of honesty and integrity, which, unfortunately, seem to be rare in this industry. My client's are my NUMBER ONE priority. I can be reached by phone from 8 o'clock in the morning until 10 o'clock at night. I have decided to devote this portion of my life to two things.....selling Real Estate and seeing my new grandson Mackey. Once you get to know me, you'll understand why my clients are so comfortable with me. My motto is providing "Service with the Golden Touch." and I strive to do just that every day. If you're looking for someone to help you buy or sell a house, you have come to the right place. Just get comfortable, have a seat and feel free to browse through my site. If you have questions about any properties, whether they are listed with me or not, don't hesitate to call me. I will be here to provide you with the service that you need and deserve.

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