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The Guide to Title Insurance | Real Estate | US News

Details: Title insurance is meant to protect a property owner or lender from financial loss when there are additional claims to the property. When a person intends to buy a home, for example, he or she will purchase a title insurance policy and pay for a title search. At this point, the title insurance company will conduct detailed searches of public

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Is a Home Warranty Worth the Money? | Real Estate | US News

Details: Though many home warranty companies have less than stellar reputations, careful research and oversight can ensure that the policy you select is a worthy form of insurance against unforeseen repairs. Don Vandervort is the founder of HomeTips.com .

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The Guide to Closing Costs | Real Estate | US News

Details: Title insurance protects you from future claims to the property and often includes the cost of the title search. Homebuyers can purchase title insurance for their own protection at the same time they pay for title insurance for their lender, which is often a required step in getting a mortgage and similarly protects the lender from claims to the property.

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You Finally Paid Off Your Mortgage. What Now? | Real

Details: You still have to pay property taxes. And homeowners insurance. That's easy to forget about, at least at first. If you're like most people, your taxes and insurance were part of the monthly mortgage payment. They were held in escrow by the loan servicer, which would make the payments for you.

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What's the Difference Between a Deed and Title? | Real

Details: A quitclaim deed, which title insurance companies don’t use, is a simple deed often used when an individual transfers ownership of a piece of property to a person she knows. These deeds can be drawn up by an attorney or even by the seller, and they offer no guarantee that the noted seller holds title of the property.

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5 Things to Know About Buying a Property With a Tax Lien

Details: Title insurance is key. It's often listed as one of your closing costs, and you should purchase title insurance for the property you’re buying. “What title insurance does is it protects people’s property rights,” Grubb explains. That means making sure the claim to the title of the property is free and clear of any liens.

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First-Time Buyers: How Much Down Payment Do You Really

Details: The cost of private mortgage insurance depends on your credit score and the size of your down payment. Freddie Mac estimates the cost at $30 to $70 per month for each $100,000 borrowed. If you buy a $250,000 home with 10% down and a 30-year fixed rate of 4.5%, you'll pay $95.63 a month in PMI (at a rate of 0.51%), in addition to the $1,140 monthly principal and interest payment (taxes and

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Why Renting Out Your Home Could Cost You Big Time

Details: Your homeowners insurance may not be enough. Even if your city allows renting out your property, you may be leaving yourself open to significant losses if you don't have the right insurance. A homeowners policy may not provide coverage if a renter is injured on the premises or steals something from the property.

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Living in Sarasota, FL | U.S. News Best Places

Details: Rankings. U.S. News analyzed 150 metro areas in the United States to find the best places to live based on quality of life and the job market in each metro area, as well as the value of living there and people's desire to live there.

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How to Save When You Buy Your Next Water Heater | Real

Details: The founder of personal finance blog DebtRoundup.com, Bell thought he could save money by installing a tankless water heater. But after consulting more than a dozen plumbers, he found that with an initial cost of $4,500, it would take more than 18 years for the savings from lower energy costs to equal his initial expenses.

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Real Estate Mistakes You Don't Want to Make in a Divorce

Details: Dividing your assets in a divorce settlement is tough, and there's no way to split a co-owned house in two. While selling and splitting the proceeds may be the fairest option, if you or your kids have an emotional attachment to the family home, you may be searching for alternatives – at least in the immediate aftermath of the divorce.

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What You Need to Know About a Home Warranty | Real Estate

Details: Best Homeowners Insurance Companies of 2021 ] What is Covered . While the specifics of each category may vary from company to company, the majority of home warranty companies all cover the following components of your house: heating and cooling systems, plumbing, electrical, water heater and appliances.

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Things Renters Should Do Before Signing a Lease | Real

Details: Best Renters Insurance Companies of 2021 ] Considerations Before Signing an Apartment Rental Lease. Before signing a lease for an apartment, take these factors into account. Agree on the details – and get them in writing. Regardless of whether you're leasing an apartment or house, you'll want to read the fine print carefully. If there's a

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The States With the Lowest Property Taxes | Real Estate

Details: A contributing factor for low property taxes in a place like Oklahoma is the share of the state that is undeveloped. National Crop Insurance Services reports that nearly 80% of Oklahoma is made up of farmland. If you’re looking to live in a more populated part of the state like Oklahoma City or Tulsa, you can expect to pay higher property

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What to Do When Your House 'Fails' Inspection | Real

Details: Once you’ve scheduled the inspection, it’s important to attend it as well to get the full value. Wadlington says the biggest upside to an inspection is having the onsite dialogue with the professional about what’s going on in the property’s major systems, including the heating, ventilation and air conditioning, water heater, electrical and roof.

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How to Find a Reliable Home Contractor | Real Estate | US News

Details: For most homeowners, the hardest part of any home renovation project isn't the work itself – it's finding a competent and reliable contractor to do the job. Installing kitchen cabinets, knocking down walls or retiling floors are straightforward tasks compared with the struggle of hiring a quality contractor who will perform at a high level from start to finish.

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Why You Should (and Shouldn't) Opt for a Month-to-Month

Details: Even if your landlord doesn’t offer a month-to-month option, there’s no harm in presenting your situation to the landlord – if you always pay rent on time and haven’t caused any damage to your apartment, there’s a chance the landlord will see the benefit of keeping a pleasant tenant without a specific end date.David Mele, president of real estate information site Homes.com, says

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How the New Tax Law Will Affect Homeowners | Real Estate

Details: Genworth Mortgage Insurance released its third-quarter 2017 report in December, which found 40 percent of single-family home purchases and 56 percent of new mortgages originated for sales between July and September were made up of first-time homebuyers. With property taxes that aren't deductible under the new law, "it's a second mortgage

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8 Things You Shouldn't Keep in Your Basement or Garage

Details: He also notes that most homeowners insurance policies do not cover damage to items from temperature fluctuation. 1 of 10. Devon Thorsby, Editor, Real Estate. Devon Thorsby is the Real Estate editor at U.S. News & World Report, where she writes

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What to Do if You Can't Pay Rent During the Coronavirus

Details: For the week prior, 282,000 unemployment insurance claims were filed. With or without an unemployment check, or even a potential stimulus check from the federal government, many renters are concerned about how they will make rent at the start of April, let alone for future months, in addition to providing food and possible health care for sick

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How to Sell Your Home When Your HOA Is Involved in a

Details: Smaller banks, credit unions and some nonbank lenders may be more likely to consider the property based on the circumstances of the lawsuit, negotiated price, down payment and other conditions. Of course, it’s up to the buyer when it comes to deciding which lender to work with. An all-cash offer does help you avoid the lender hurdle, although the price may require a bit more negotiation in

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How Climate Change Could Impact Your Home Value | Real

Details: In 2018, the Federal Emergency Management Agency announced that it would be updating New York City's flood maps as a result of rising sea levels and shifting climate change forecasts. After all, in New York City, it's been estimated that approximately 80 percent of the property owners who have experienced flood damage since the maps were last updated in 1983 didn't have flood insurance.

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Why You Should (and Shouldn't) Sell Your Home in 2021

Details: The average interest rate as of Dec. 10 was a record low of 2.71% for a 30-year, fixed-rate mortgage, according to Freddie Mac. This isn’t the first time since the start of the pandemic that mortgage rates have set a record – the first time was on March 5, when Freddie Mac reported the average rate was 3.29%, a 50-year low for mortgage interest rates.

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4 Rooms Homeowners Don’t Use and How to Repurpose Them

Details: The need for large-scale formal dining rooms is a thing of the past. Before the COVID-19 outbreak, homeowners were split between those who still used their formal dining room for entertaining and those who ate meals more casually while letting their dining tables collect dust and clutter.

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What You Need to Know About Florida Landlord-Tenant Law

Details: Whether you've lived in Florida your entire life or are hoping to move there soon, you probably already know that it's growing in population – and fast. The Sunshine State has over 21 million people and grew by 13.3% from April 2010 to July 2018, according to the U.S. Census Bureau.

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Living in Jacksonville, FL | U.S. News Best Places

Details: Rankings. U.S. News analyzed 150 metro areas in the United States to find the best places to live based on quality of life and the job market in each metro area, as well as the value of living there and people's desire to live there.

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What to Know Before Renting Out Your Vacation Home | Real

Details: Create a spreadsheet to analyze what it will cost you to rent out your home versus the income you can expect to generate making it a vacation rental. Expenses will include maintenance, utilities, taxes, insurance, repairs and amenities. “Make sure you budget for preventive maintenance, and wear and tear,” Joseph says.

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Can't Make Your Mortgage Payments? Here Are Your Options

Details: Lenders may agree to reduce or suspend payments during the specified forbearance period, but the borrower will ultimately be responsible for catching up on missed payments, including principal, interest, taxes and insurance.

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What to Do if Your Tenant Doesn't Pay Rent | Real Estate

Details: The first of the month has passed, and your tenant hasn’t submitted a rent payment. You’re hoping it’s an oversight on your tenant’s part, and you’re worried about making your own bill payments without the monthly rent in hand.

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5 Home Security Tips for Protecting Your Family and

Details: You may think of home security and insuring your valuables as a “been there, done that” concern that you took care of when you got your homeowners insurance policy, put into place when you first bought the property.Chances are, you will be incident-free and all will be fine for the years that you live there.

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What to Do When You're a Homeowner Threatened With Eminent

Details: Eminent domain and what the government – either federal, state or local – has deemed "public use" has been a hot-button topic for years. While the taking of property in whole to build a highway or in part to help widen a road is largely recognized as standard public use, the condemning of property for redevelopment by private institutions has also been done in the name of eminent domain.

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The Best Places to Live in the U.S. if You're Concerned

Details: Best Places 2019 Rank: 79 Metro Population: 642,339 Median Home Price: $143,850 Median Annual Salary: $43,880 CRSI Score: 5.34 While Wichita ranks 20th for its climate change resilience out of the 125 metro areas on the Best Places to Live list, people living in this region, which the EPA categorizes as including Iowa, Kansas, Missouri and Nebraska, should expect extreme heat and rising

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Why Taking a First-Time Homebuyer Education Course Is a No

Details: One of the most valuable aspects of the course is information about the homebuying and mortgage process. Among the topics covered are budgeting, credit, shopping for a mortgage, home inspections, insurance, how to work with a real estate agent and the closing process.

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Reno, NV, Job Market | U.S. News Best Places

Details: Finance and Insurance Total Employment 6,100. Customer Service Representative Salary: $26.73k - $42.97k. Previous: Overview Next: Schools . Find a Top Agent » Best Places to Live #1 Boulder, CO #2 Denver, CO #3 Austin, TX #4 Colorado Springs, CO #5 Fort Collins, CO; See the full rankings list

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The Future of Real Estate – With Fewer Agents? | Real

Details: The real estate industry is facing disruption, and not just on one front. New real estate brokerages are offering an alternative to the way agents do business, tech startups are providing more information and ease of access to consumers and professionals, and companies are helping consumers bypass the need for a real estate agent altogether.

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Should I Buy a House Now? | Real Estate | US News

Details: For a conventional mortgage with private mortgage insurance, that amounts to 20% of the home’s purchase price but can be for more. You may be able to qualify for mortgage programs that require a lower down payment. Credit score and credit history.

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6 Tips for Properly Caring for Your New Construction Home

Details: Buying a new home from a builder means you won’t have to spend time getting used to any loose floorboards, tricky toilet handles or creaky doors that are often considered quirks in an older house. But buying a brand-new home doesn’t mean you can neglect your property and expect it to keep working like new forever.

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15 Gift Ideas to Give New Homeowners | Real Estate | US News

Details: Consider gifting a tray, bowl or set of hooks to serve as a catch-all or drop spot for keys by the main entryway.A key holder is a simple but useful gift and is likely to come in handy if the person is still moving into their first home.

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12 Home Features That Can Make It Easier to Sell a House

Details: Real estate agents are trained to look for these types of key home features as they are valuable attributes that many buyers might initially miss or undervalue in searching for a new home. Everyone has their personal hit list of features that are important to them, such as the number of bedrooms, architectural style and neighborhood.

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Birmingham, AL, Job Market | U.S. News Best Places

Details: Birmingham remains one of the nation's top cities for the banking and insurance industries. The city is home to Regions Financial Corporation's headquarters and the headquarters of Blue Cross and Blue Shield of Alabama. The University of Alabama – Birmingham (both the school and affiliated hospital) provides numerous opportunities in the

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5 Reasons to Get a Prelisting Home Inspection | Real

Details: A home inspection is traditionally known as a part of the due diligence process when a home is under contract with an intended buyer. A professional home inspector will visit the home and conduct a thorough review of the structure, noting any deferred maintenance, defects in the building and the remaining useful life of major appliances and systems such as the air conditioner and water heater.

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8 Potential Headaches to Be Aware of Before Becoming a

Details: One of the most crippling headaches to deal with is a monthly mortgage payment you find you can’t quite afford. Lysette Portales, a real estate agent with Century 21 Jim White & Associates in Treasure Island, Florida, says she stresses to clients that they should shop around for a mortgage with multiple lenders and inquire with each about different program options.

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4 Signs You Hired a Bad Home Inspector | Real Estate | US News

Details: You aren't required to hire a home inspector when you're buying a house, but it's a good idea. A really good idea. To think of it in cartoon terms, SpongeBob SquarePants may enjoy living inside a pineapple, but you really don't want to live in a lemon.

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House Renovation Costs You Can Cut – and a Few You Can’t

Details: As an example, if an apartment or house already has limited closet space, don’t reconfigure the layout in a way that will further impede the potential for storage.Or, if a home has a beautiful flow of existing space, don’t interrupt it by carving out a bunch of smaller rooms that will cause you to lose the graciousness of the space.

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Everything You Need to Know About a Pending Home Sale

Details: Title insurance companies that are often instrumental in the closing coordination are working to quickly adapt to physical distance guidelines to reduce the chances of spreading the virus. The closing may require a few extra days than it did before the pandemic to sort out remote notary authorization based on state requirements, changes to the

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6 Things to Do to Prepare for Your Home Renovation | Real

Details: If you’re looking to make major renovations on your house with more money than you may have on hand, you have the option of applying for a home equity loan or home equity line of credit.And while HELOCs now face more restrictions as to whether the interest rate is deductible on your taxes due to the passing of the Tax Cuts and Jobs Act in December 2017, when the money is used for home

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Buying a Home Costs More Than the Purchase Price | Real

Details: The title insurance on the Upper Providence property is $3,728, according to Matteo's calculations, including endorsements that tailor the otherwise standard policy to your needs. On the day you become the new owner of the $500,000 residence, you have amassed $27,307 in mortgage-related closing expenses, third-party costs, escrow funds and

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How Investors Can Identify a Great Rental Property | Real

Details: When it comes to identifying the most likely renter, it helps to be familiar with the area. Arik Kislin, a real estate investor and developer and CEO of Linx Industries, says it’s important to have a solid grasp on the typical renter in a neighborhood, or at least work with someone who does.Not knowing the regional and ethnic makeup of a neighborhood like Jamaica, Queens, in New York, he

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20 Moving Tips and Tricks | Real Estate | US News

Details: With anything you load onto a truck or container that a professional will move for you, there is potential for damage, and moving insurance unfortunately can’t cover items that are irreplaceable. And from a safety standpoint, Shoen explains that you should not put firearms, fireworks, propane tanks or torches in a container or truck, either.

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