Blog

Selling a home with liens
Sean Mickley Sean Mickley

Selling a home with liens

Don’t let a lien prevent you from selling your home. It can be done but will require extra effort. A property lien is a claim against property awarded by the court to a creditor that must be satisfied prior to a change in property ownership.

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Why is a title search required with a mortgage?
Sean Mickley Sean Mickley

Why is a title search required with a mortgage?

If you're purchasing a home, you most likely need the financial help of a mortgage company. Any federally insured lender will require a loan policy. In Florida, a lender’s policy is necessary whether your lender requires the purchase of the policy…

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The overlooked costs associated with buying a home
Sean Mickley Sean Mickley

The overlooked costs associated with buying a home

Buying a home comes with a few, often overlooked costs. For example, first-time homebuyers often don’t consider closing costs when planning to purchase a home. This oversight can be shocking since closing costs are usually equal to the required down payment.

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What happens when my title search reveals a lien?
Sean Mickley Sean Mickley

What happens when my title search reveals a lien?

Having a title search done when purchasing property in Indian River County can save buyers and sellers from headaches down the road – it’s an investment in the security of your home. Many issues can be discovered and dealt with before closing on a property…

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Can you close on a home 100% remotely in Vero Beach?
Sean Mickley Sean Mickley

Can you close on a home 100% remotely in Vero Beach?

Gone are the days of lengthy closings in small offices with buyers and sellers facing off across the table at what should be a joyous occasion. Just before the start of the pandemic, remote notarizations became legal in Florida.

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Title Search FAQs
Sean Mickley Sean Mickley

Title Search FAQs

What is a title search? What is an owner’s title policy? Who pays for a title insurance policy? How long does a title search take? Who conducts a title search? Answers to these questions and more.

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Understanding the mortgage loan closing process
Sean Mickley Sean Mickley

Understanding the mortgage loan closing process

When you get the call to schedule your mortgage loan closing, you’re in the homestretch of owning a home. The mortgage closing or settlement typically occurs between four and eight weeks from the time both parties reach an agreement regarding a real estate transaction.

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Wire fraud prevention
Sean Mickley Sean Mickley

Wire fraud prevention

Hackers trick homebuyers into sending their closing funds to a fraudulent account or act as if they are the title agency confirming details for an upcoming closing to gain access to your personal information.

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Reading your title commitment
Sean Mickley Sean Mickley

Reading your title commitment

A title commitment is the written document provided by a title insurer disclosing the details surrounding property ownership and rights. When purchasing a property you should obtain title insurance to identify potential issues. This document is the title insurance company’s commitment to ensuring the property, based on the data collected and affirmed.

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What is a title search in Florida?
Sean Mickley Sean Mickley

What is a title search in Florida?

A title search in Florida includes a chain of title, outstanding liens, and ownership, among other pertinent details about the property. Conducting a title search determines the legal right, mortgage holders, liens, and other encumbrances.

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Why living on the Atlantic Coast is ideal for homeowners
Sean Mickley Sean Mickley

Why living on the Atlantic Coast is ideal for homeowners

Life on the Atlantic Coast is magical. There is so much to consider when you plan to make a move. In addition to the coastal views and miles of pristine beaches, you can expect sunshine to be part of your life nearly every day of the year.

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Title Insurance: How does it work in Florida?
Sean Mickley Sean Mickley

Title Insurance: How does it work in Florida?

Purchasing a home is one of the most significant investments most people will make during their lifetime. It is crucial to make sure that you understand what “title insurance” is before closing on your new home. It’s not something you are apt to be familiar with, especially as a first-time homebuyer.

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1031 Exchange
Sean Mickley Sean Mickley

1031 Exchange

Real estate investing can be a tricky business to navigate. Therefore, it is vital to grasp tax break opportunities that can save you money.

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Life Estate Deeds
Sean Mickley Sean Mickley

Life Estate Deeds

Planning your estate can be a daunting task. Fortunately, Florida residents have the option of a Life Estate Deed, giving them greater flexibility to protect their legacy.

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Closing issues
Sean Mickley Sean Mickley

Closing issues

There is a myriad of things that can occur to prevent a clean real estate transaction. Therefore, it is essential to be aware of potential problems to avoid delays.

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Using cryptocurrencies at your closing
Sean Mickley Sean Mickley

Using cryptocurrencies at your closing

More and more people are using cryptocurrencies – a digital or virtual currency – and want to use those funds for real estate closings. This is a relatively recent form of discovery that has only just begun to be recognized. Many find that it is nearly impossible to counterfeit or double-spend, making it a much safer form of currency. Chief among them are Bitcoin and Ethereum.

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What to look for when choosing a title company
Sean Mickley Sean Mickley

What to look for when choosing a title company

Selecting the right title company can make the difference between a smooth closing and one that ends horribly. In most cases, the buyer chooses the title company, so you must take care when selecting. There is no shortage of title companies to pick from in Florida. Keep in mind these essential factors when making a decision.

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A look at closing costs
Sean Mickley Sean Mickley

A look at closing costs

When buying a home or refinancing the home you already own, closing costs are a significant consideration in your decision-making. Borrowers can expect to pay between two and five percent of the loan amount, and sellers should expect six to 10 percent. Therefore, you need to know how much money you will need to bring to the closing.

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What to expect at your closing
Sean Mickley Sean Mickley

What to expect at your closing

Buying a new home is exciting, but the actual closing can be stressful. Knowing what to expect can give you the confidence you need during this last step of buying your new home. The average home closing takes place between four and eight weeks after the offer on the house has been accepted. Before scheduling the closing, these things need to happen: home inspection and appraisal, funding approval, and title search.

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