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 [...]
Liberty Title Celebrates the Holidays by Giving Back! Please join us in providing food for those in need. BRING A CAN TO CLOSING! Any non-perishable food item is welcome and you will receive a raffle ticket for each can or box of food provided to be entered in our Holiday drawing! In southeast Michigan, more than 707,000 people are food insecure (16.8%). In southeast Michigan, more than 200,000 children are food insecure (19.7%). The St. Vincent de Paul Society works [...]
Road Work Ahead! As many of you may know, the Michigan Department of Transportation will begin to reconstruct 3.7 miles of M-59 (Hall Road) through Sterling Heights, Utica, and Clinton, Macomb, and Shelby townships as part of their M-59 Improvement Project. Our Sterling Heights office is located right in the height of this project as some of the construction is focused on M-59/Hall Road from M-53/Van Dyke Expressway (west) to Garfield Road. If you are planning to come by our [...]
Are you reviewing the deed? Do you know the meaning of a “restrictive covenant?” Basically, it’s a deed restriction that can create any number of hassles for a new homeowner. It’s vital to check for any deed restrictions when purchasing a home and a title search can do just that. View this article from RealtorMag to learn more about the need to check the deed: RealtorMag
The American Land Title Association (“ALTA”) has adopted revisions to the ALTA Commitment for Title Insurance effective August 1, 2016. The previous version of the ALTA Commitment for Title Insurance will be decertified on December 31, 2017. Realtors, lenders, sellers, purchaser, and attorneys can expect to see the new form put into use later in 2017. A sample of the document is available for review at the below link. As always, the experts at Liberty Title are available to discuss [...]
Michigan Law has been brought into modern times through the abolishment of dower rights. Prior to this change in Law, Michigan was the only state which preserved dower for the benefit of women only. Briefly stated, dower was a specific distribution that a widow could elect as her share of her deceased spouse's estate. After April 7, 2017 a widow will no longer have the option to elect the dower share. The elimination of this option for a widow [...]
A 23-Minute Morning Ritual That Will Transform Your Whole Day When I learned of Harvard-trained happiness researcher Shawn Achor's recommendations for training your brain to be more positive, I admit, I did a little eye-roll. I mean, watching your breath go in and out for two minutes a day? I'll get to that shortly (which is part of your morning ritual). But who am I to argue with the New York Times best-selling author of The Happiness Advantage? Achor says [...]