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Welcome to the blog of Liberty Title and Zing! Title! We’ve been in the title and settlement business for 40+ years and have gained a ton of knowledge in that time. From the basics of buying or selling a home to industry news and updates on new regulations, we cover any and all topic on real estate. Sign up to our email list to get regular updates in your inbox!!!
Whether you’re purchasing a new or existing home, or refinancing, title insurance protects you against any problems affecting the title to your home. The Basics There are two types of title insurance: the owner’s policy and the lender’s policy. The owner’s policy protects your property rights as the homebuyer, whereas the lender’s policy insures the financial investment of the bank or lender. If someone else claims ownership of your property, title insurance typically defends you legally and financially. Common [...]
A Federal Court has upheld a jury’s finding that a real estate agent and broker were 85% responsible for a wire fraud that cost their client $196,622.67 (Bain v. Platinum Realty, LLC, Dist. Court, D. Kansas 2018). Jerry Bain was working with a real estate agent to purchase a property. To fund the purchase, Bain was instructed to wire $196,622.67 to the title company. Unbeknownst to the parties involved, a criminal was intercepting e-mails exchanged between the title company, [...]
Obviously, buying a home is a big deal – and not just for personal reasons. Most real estate transactions involve a person’s life savings and any criminal access to this information can be devastating. Hackers try to steal money every day by emailing fake wire instructions. One of the most common schemes? Criminals will use a similar email address and steal a logo and other info to make it look like the email came from your real estate agent [...]
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Buying a house involves lots of decisions, considerations, and, of course, paperwork. One key piece of the process that can get lost in the shuffle is not only purchasing title insurance but also understanding what exactly is title insurance. So let's start with the basics: what is title insurance? Below we have compiled some #title101 questions for homebuyers using concise language that all real estate agents can use when breaking down the basics for their clients. What is title? Title [...]
Talking about title insurance can sometimes seem like a snooze, which can lead to folks brushing past the topic in their closing or not taking the time to research and purchase the best Owner’s Policy for their new place. But wait! Did you know that Abraham Lincoln lost his home (twice!) due to a title issue? Title insurance is a key facet of protecting one of the biggest investments of your life. Check out this little parable from our [...]
Get owner’s title insurance and buy your home with confidence Your long home-buying journey is almost over. You found the home you love, the seller agreed to your offer and now it’s time for closing. Of course, there’s a lot to think about right now, and the last thing you want is something to go wrong. So make sure you work with an experienced closing agent to help ensure the details come together and everything runs smoothly. As soon [...]
Buying a home is an exciting and emotional time for many people. To help you buy your home with more confidence, make sure you get owner’s title insurance. Here’s why it’s so important for you. 1. Protects Your Largest Investment A home is probably the single largest investment you’ll make in your life. You insure everything else that’s valuable to you—your life, car, personal property, health, pets, jewelry, etc.—so why not your largest investment? For a one-time fee, owner’s [...]
Make sure all of your clients are protected You’re a real estate agent, so you know that buying a home can be overwhelming for many of your clients. Homebuyers can easily feel confused and frustrated by the mounds of paperwork they have to sign. Plus, all the fees associated with closing can sometimes be a surprise even to an experienced buyer. Title insurance is one of those items often misunderstood by homebuyers at closing, yet its value is tremendous. [...]
Welcome! Here at Liberty and Zing! Title we love to talk title. From educating first-time home buyers to giving our take on new regulations, we are eager to share our industry expertise that comes from being in the business for over 40 years. With that in mind, we decided to relaunch our blog with a fresh name and new format. Welcome to Living In Blue! What is Living In Blue? Living in Blue is your go-to resource for any [...]